davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
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: Innovis (FL)

I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.
Consumer complaint received 2020-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Im trying to get XXXX XXXX to have them pay my rent so I can make smaller payments throughout the month because I dont always get paid on the XXXX of the month when my rent is due and there is over a {$100.00} charge for late rent. Please allow me to link my bank acct so I can avoid late fees for my rent. Thank you. Ive been with PNC over 10 years.
Consumer complaint received 2022-08-23
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: JPMORGAN CHASE & CO. (GA)

I am writing to plea for my dispute to be opened and attended to for my card ending in XXXX. Depsite XXXX attempts its been turned down on a higher level. On or about XX/XX/XXXX I purchased a 2 year term warranty from XXXX XXXX XXXX XXXX for {$5500.00} that was supposed to take effect on XX/XX/XXXX. On or about XX/XX/XXXX XXXX attempted numerous times to get in touch regarding my vehicle. After getting in touch, both XXXX and I were ignored, not answered, not helped, and not provided the service per the contract. XXXX ( the rep ) responded through XX/XX/XXXX without any further responses despite numerous attempts on my part which is very well documented. It is very apparent this is how your company operates, you can see it on the google reviews, and their XXXX  profile further proves your fraudulent company. I reached out on or about XX/XX/XXXX I attempted to dispute this initially. Ive worked managing gyms my whole career and Ive seen chargebacks go back a year due to contract charges and service not provided. The dispute team tried explaining to me I was a couple weeks outside of some 118 day window of dispute, but nonetheless the did attempt to open it, a rep called and explained I wouldnt be awarded my whole dispute amount but more of a partial amount for the months not used, I wasnt happy but I would accept it, then I get a letter saying there is nothing chase can do about the dispute. The company provided a forged signature contract so I uploaded evidence proving it was no where close to my signature or initials, then they said my repairs were not covered by the contract the contract CLEARLY states automatic transmission is covered and thats what my repair was, again in the XXXX line it mentions sensors in general which a sensor went out as well meaning the repairs ARE supposed to be covered. Go on XXXX  and XXXX read their reviews, this is what they have a pattern of doing ignoring the client then saying it was not covered whether it really was. They are a scam company. I am begging for someone to help me with this remaining {$1300.00}, a fraudulent company scammed me and instead of being protected by my credit card company I am told oh well. I am going to keep pushing this both with the company and with you chase bank even as far as small claims if need be. This is not ok, and as big of a company you are, I would of thought youd care and protect your clients much better than this, it is very negligent on your part. Im praying for help and that you do the right thing in this matter and push this dispute. I truly feel victimized in this situation, and am very skeptical about using cards and purchases. I Feel Chase has fully let me down and did not provide consumer protection as promised when using credit cards.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (IL)

with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, better business bureaus and the attorney general. You all arent the only creditors i'm coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

I am currently having a problem with my mortgage company Ditech Financial. I received major damage to my property through a windstorm on XX/XX/18. My insurance company wrote me a check for repairs which is being held my Ditech Financial. I am eager and willing to make all repairs as soon as possible however Ditech will not release the needed funds for the repairs. Ditech is relying on unreasonable requests from me. I have been in XXXX XXXX for 35 years and will make self repairs. However, Ditech Financial will not allow this. I have already completed large amounts of the repairs to prevent further damage. I have been dealing with Ditech on a daily basis and they have released very minimal amounts of money. I will be unable to make my continued mortgage payment on the property due to Ditech not allowing me to complete repairs. I am in fear of losing this home due to foreclosure caused completely by Ditech 's unwillingness to use common sense. I have been supplying Ditech with all the paperwork they require but they have been uncooperative. Ditech will ultimately cause more damage then the storm did. It should be a crime for a financial institution to hold your money hostage and delay repairs of my property. They should be a helping hand not a road block. I have sent several letters and request with no responses. I do not know what else to try. I am currently making complaints to whom ever may be able to help.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I'm having some issues to use my debit card I'm in XXXX  I'm XXXX XXXX XXXX chase place a restriction on my card and they want me to step on a branch to verify me right now I have an emergency my doughter needs a XXXX and I need to pay for it her life depends of that I hope you can help me
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I activated my Citi Prestige card on XX/XX/2018. I tried to make a purchase the same day and it was declined due to fraud. Over the last few weeks, I have tried to call in to cancel my account. Unfortunately, Citi is unable to authenticate my identity due to change in phone number etc. I am being charged a hefty annual fee for a card I have never had the opportunity or ability to use. I called as recently as today, XX/XX/2018. I've spent multiple hours talking to these people trying to find a solution but I seem to be caught in a circle with no exit point. Customer service won't close my account because they can't authenticate me, so they transfer me to fraud. Fraud can't authenticate my account, so they simply say sorry. I ask to escalate the call, I'm told there are no exceptions. So, hoping CFPB can help me here. To authenticate my identity all the options they tried have failed, calling other credit card providers, checking relative phone numbers etc.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (TX)

I have been making all my payments on my Walmart ( Syncrony ) credit card. I used my card to buy a laptop and I have sence then been paying off my credit card. The problem is that even with all portions of my credit being better than the day I got my credit Card approved and my credit score nearly 100 points higher than it was when I got the card they are lowering my available credit limit every time I pay it down and hitting my credit limit by showing higher credit utilization. I only have 2 cards and this one started at XXXX dollars as a limit and is now XXXX dollars. I only accepted this card because of its limit, if the card was going to he a XXXX dollar card I would never be interested because I typically buy groceries and other home necessities over XXXX dollars at the beginning of every month.
Consumer complaint received 2018-09-13
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. (FL)

XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA 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 PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-01
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. (OH)

I went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-19
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: SUNTRUST BANKS, INC. (MD)

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX AV XXXX, XXXX ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-14
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. (FL)

I disputed with XXXX, EQUIFAX, & XXXX about inncorrect information on my credit report and they refused to remove it. In accordance with the Fair Reporting Act, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 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
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Received a notice from CONVERGENT OUTSOURCING on a debt that is not mine. I have no relationship with this company. 
They say it is in regards to XXXX which is investigating my account for FRAUD. How did this company get any information regarding this issue?
Consumer complaint received 2021-08-03
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: Nelnet, Inc. (NJ)

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-17
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: DriveTime (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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: DISCOVER BANK (MD)

In accordance with the Fair Credit Reporting Act, Discover Bank Account # : 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (SC)

I asked for a payout on XXXXXXXX XXXX to sell my home. I was set to close on Friday XXXXXXXX XXXX. I was contacted by the closing attorney XXXX XXXX XXXXXXXX XXXX that there was a lien of {$2000.00} the payoff did not include. I spoke with XXXX, XXXX, XXXX, and XXXX, and others, no one was able to help me, because The Money Source did not file the proper paperwork with HUD. The money source only communicates with HUD on Wednesdays, and I was told this could take up to 3 weeks to resolve. The buyers have backed out of the purchase because this is too long of a wait, leaving me back to square one. The money Source prevented me from selling me home and paying off the mortgage. I called on XXXX XXXX, twice. XXXX XXXX, twice and XXXX XXXX. As well as the closing attorney who spend hours trying to resolve this issue.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.