davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I initiated a transfer of 13,000 points from my Chase XXXX XXXX account to my XXXX XXXX XXXX account ( email confirmation from Chase  attached ). My XXXX account is preloaded in my Chase account since I have conducted transfers of points from this exact Chase to this exact XXXX account many times in the past. Those prior transfers always went through instantaneously. This time, the transfer did not go through instantaneously. The points disappeared from my Chase XXXX XXXX  account ( screenshot of Chase account attached showing this ), but did not show up in my XXXX account ( screenshot of XXXX account attached showing this ). After 17 days, the points still had not shown up in my XXXX account. On XX/XX/XXXX, I called up Chase, which transferred me to their marketing team. The customer service representative was genuinely apologetic and promised me his team was looking into it and would follow up with XXXX to resolve the issue by either ensuring the points were returned to my Chase account or showed up in my XXXX account. On XX/XX/XXXX, Chase sent me a letter ( attached ) totally ignoring the matter at hand -- that these points disappeared into thin air -- and instead the letter simply stated that the points could not be returned to my Chase account. I immediately called Chase again on XX/XX/XXXX, and the customer service agent was again deeply apologetic, said that she understood my immense frustration that the issue had not been resolved and that the letter I received did not address the issue at hand, and she promised me that the issue would be resolved within 10 working days. On XX/XX/XXXX, after 18 more days in which I received no communication from Chase, I called up Chase again and was transferred again to their marketing team. The customer service agent said that she could see no information that I had ever called Chase on XX/XX/XXXX, and she could find no evidence that anyone in Chase had ever tried to resolve the problem, despite one month having passed since my first phone call to Chase about this, and despite a follow up call on XX/XX/XXXX. She was deeply, deeply apologetic, and she elevated the issue to her supervisor and promised me that a team was already working to resolve it. I asked her how I could believe her when twice already I had been told the issue would be resolved, and she promised me that within 10 days I would, without a doubt, get a letter from Chase resolving this mystery of the disappeared points. That was 35 days ago. Chase never followed up with me, and the points are still missing. Truly a horrific way to treat a customer. All evidence is attached.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 U.S.C 1681section 602 A, States I have the right privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
Transunion reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for Transunion is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and XXXX and Transunion refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX  account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. Transunion has never investigated this item. Transunion reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.
Consumer complaint received 2022-04-13
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MS)

I attempt to rent a car from XXXXXXXX XXXX XXXX on XX/XX/2022, at XXXX, XXXX XXXX thru XXXX, An agent identified himself as XXXX and I told him I wanted to rent a car for XXXX XXXX XXXX, during the process, he asked if I had a credit card to hold the car 's reservation and I told him no I had a debit card, he stated a debit card won't work, but if I could purchase an American Express card from a XXXX XXXX XXXX, XXXX or XXXX, I told him I would have to call him back because I had to go to a store to purchase a credit card and he informed me he gets off work at XXXX : XXXX XXXX and he would hold the reservation and he would call me back. Around XXXX : XXXX XXXX he called me while I was at the store and asked if I had gotten the card I told him I was in line then with a Serve American Express card and he said great that would work and he wanted the card information off it and he told me the reservation confirmation number was XXXX. 
On XX/XX/2022, I realized He didn't tell me where to pick up the car I call him at XXXX and requested where to pick up the car and he said hold on and hung up. I then called the number on the back of the Serve American Express card and let them know what had happened and they asked me to email them a statement of what happened, copies of the receipt, front and back of the card, driver 's license and bar code of purchase I emailed it to XXXX XXXX
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MO)

CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.
Consumer complaint received 2020-04-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2020, Navy Federal seized an IRS refund deposit of {$2300.00} and applied it to a charged off XXXX account that had not received payment in almost 24 months. 

Navy Federal can not enforce a pseudo-debtor prison scenario by forcing me to pay on a closed charged off account by seizing money from a pending deposit and applying it to the balance of the charged off account - which is exactly what they did. 

After I filed a CFPB complaint detailing that action ( XXXX ), Navy Federal decided to honor a 23 month-old request to close all of my banking products ; but not before issuing me a cashier 's check for the pending IRS stimulus deposit. 

Navy Federal returned the 2nd IRS deposit, but not the 1st one from XX/XX/XXXX.
Consumer complaint received 2022-04-13
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. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2022-04-13
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
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. (TN)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX  XXXX  XXXX XXXX Account # : XXXX CREDITOR : XXXX  XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX  ACCOUNT Account # XXXX 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 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

The bank dispersed escrow funds from the loan in question for the payment of an unrelated property in the same city. While it happens to be another property I own, the other property is not connected in any way to the mortgage in question. 

As a result of the improper use of escrow funds, they have increased my monthly escrow payment by {$260.00} directly due to this shortage. ( A smaller portion of the escrow increase is unrelated to the complaint ) The bank has written to me that because I happen to own the other property they will not refund the improper payment. I believe it is their responsibility to contact the city and work out a solution to refund the payment to the bank. In the meantime, the bank should recalculate my escrow without the shortage created by them. 

I further believe it is their responsibility because the property id for the improper payment does not agree with the property id of the mortgage. It seems there is no process for validating that tax bills match the mortgaged property. This is a huge fraud risk.
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX is inaccurately reporting that I owe a collections debts of {$720.00}. Equifax is also inaccurately reporting that I owe the {$720.00} collections debt to XXXX XXXX. This account does not belong to me.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (OH)

I was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.
Consumer complaint received 2022-04-13
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, XXXX XXXX, am filing this complaint against Equifax and there is no third party involved. I have sent out a letter to Equifax mailed certified XX/XX/XXXX. Equifax is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish information to a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything to my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulent inquiries. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft : 1. XXXX XXXXXXXX 2. XXXX XXXX XXXX : XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX  : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If Equifax can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I demand these fraudulent, unauthorized inquiries be removed from my consumer report WITHIN FOUR ( 4 ) DAYS! If my demands are not met, I will hold Equifax civilly liable under 15 USC 1681n for willful noncompliance AND aggravated identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I have enclosed a FTC Identity Theft Report which states the fraudulent inquiries that need to be removed.
Consumer complaint received 2021-06-07
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (WA)

I don't remember the exact date other than mid to late XXXX XXXX when I attended XXXX XXXX ( option was available on the pulldown menu when signing up ) I never finished schooling and had to drop out due to family problems. in XXXX I applied for a loan forgiveness program with Nelnet/XXXX   Discharge address U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX. 
I applied for this program. Had to submit documents regarding SSDI monthly payments as well as medical proof. I was approved and went through their 3 year monitoring period. The accounts I had 1 for {$13000.00} and a second loan account for {$8900.00} totalling {$22000.00} should have been discharged in XXXX. Fast forward to XX/XX/XXXX I decide to fix my credit scores and reports to get out of debt. I discover I now have these 2 loans reinstated and no reason why. I have since XXXX of XXXX repeatedly have requested information regarding the account. They told me the account was reinstated but that's it nothing else. If I want to do the XXXX  again I have to start all over. The only thing they have sent to me is the application but nothing else regarding the accounts. I am under the impression any and all lenders legally must give account access and information regarding any accounts owed otherwise they must legally discharge the loans/accounts immediately and remove from credit reports. I have asked numerous times now and still have yet to get any information. I have contacted a consumer attorney regarding this matter to see what can be done to be discharged ASAP. 


My account number is the only thing I have XXXX. No other information as of right now due to them not giving me access to my account
Consumer complaint received 2022-04-13
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX CT XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX