davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
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)

Upon checking my credit report, I discovered that the following companies have placed credit inquiries that I have no knowledge of and did not authorize on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have spoken with the companies and Equifax and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I noticed in late XX/XX/XXXX early XX/XX/XXXX a charge for {$420.00} on my account that I thought was a billing error since on or about XX/XX/XXXX I ordered something for {$420.00} from the exact same company. I contacted the credit card company immediately and they told me it was actually another charge, I explained I did not order anything else and disputed the charge. I called back to follow up after the 30 days and was told they credited my account already, I never heard another word until I noticed on my XX/XX/XXXX statement without a letter email any notification that they had charged the {$420.00} back to my account, I again called immediately XX/XX/XXXX when I seen it and spent exactly 1 hour and 5 minutes on the phone after my 3rd transfer with no answers I got someone in the fraud department who also didn't know anything but said he would dispute it again, however 2 days later I got a letter stating I was responsible for the charge with no explanation as to why, I then called again XX/XX/XXXX when I got the letter no one was able to help me and said the investigation was over and I will have to pay for it, but they had no further information as to how the decision was made, I asked for all the documentation on the charge they told me to contact the company that company that charged it on my card, I said I did that but since I had NO information for them to locate the order ( since it wasn't me ) like who ordered it when what it was the name address phone number used they were not able to help me that is when I assumed my cc company would HELP me their customer but I was apparently wrong!
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!
Consumer complaint received 2018-03-22
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. (CA)

I applied for a XXXX with XXXX in XX/XX/2017. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to Equifax, there was a hard pull from XXXX on XX/XX/2017. I called Equifax and was told that I had to call XXXX  to remove the inquiry. I called XXXX  at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
Consumer complaint received 2020-12-09
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. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC (CA)

Last Month, I sent this company a dispute to validate a frivolous account that they had reported on my credit report. Although mandated by law to ensure that the data they report on my credit report is 100 % accurate, I noticed that this company still reporting the account that they are unable to validate.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (MD)

I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MECHANICS BANK (CA)

This is in regards to my account with Mechanics Bank : Within the calendar year of XX/XX/XXXX, I was charged a total of {$4400.00} in NSF fees, and have already incurred {$260.00} so far in XXXX  of XXXX  ( and today is only XX/XX/XXXX ... ) Last year, I think my taxable gross income was only around {$50000.00}, so I have been drowning beneath these fees, and I can't seem to climb out of this cycle. I have had to continuously resort to high-interest payroll loans in order to try to keep my head above water, which obviously only results in more money lost. Every time I try to keep a safe cushion of money in my account, I end up falling behind and incurring more fees because I never seem to be able to catch up. I am always somewhere between 2 and 10 steps behind. It all started when I had a brief lapse ( about 2 months ) in full-time work back in late XX/XX/XXXX, and again around XXXX   of XXXX. Every time I try to crawl out of this and keep my bank balance positive, I've already got past due bill collectors biting at my heels. I have tried calling Mechanics Bank to ask them to please cut me a bit of slack, but they immediately tell me 'no can do '. 
Around XX/XX/XXXX, I downloaded the app 'XXXX  ' from XXXX XXXX, and they filed a claim for me, which I believe was supposed to cover six months of activity. XXXX  received no response from Mechanics Bank, and zero fees were refunded to me. I am at my wits end. I'm trying to rebuild my credit and avoid high-interest payday loans, but I am stuck in an endless loop.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$890.00}
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Consumer complaint received 2017-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (FL)

Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (LA)

Discover card is reporting the wrong amount owed. 
The credit limit was {$500.00}, the balance showing is {$1000.00}. 
I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). 
Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. 

He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.
Consumer complaint received 2017-11-29
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: ALLY FINANCIAL INC. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the Equifax data breach and may have been compromised as a result.
Consumer complaint received 2020-05-05
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: ALLY FINANCIAL INC. (FL)

CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both ally and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX  knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Navient is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I have requested for Chase to do a chargeback from the recipient bank due to fraud/scam. It was for {$1900.00} on XX/XX/2020. I already talked to a XXXX representative and they are working on shutting the owner of the recipient account down because of the illegal use of the account. And they said that a Chargeback is what needs to be done by my bank CHASE to the recipient bank because of the fraud and yet NO ONE IS DOING ANYTHING BUT DENYING ME. An effort wasn't even applied to start the Chargeback process. I have been going back and forth for 3 weeks and NO RESULTS. I have been with Chase for awhile and never had any problems. And now I'm being denied something that YA 'LL ARE VERY CAPABLE OF DOING. A chargeback from the recipient bank, not a refund provided by Chase Bank.
Consumer complaint received 2017-11-29
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: CITIBANK, N.A. (CA)

I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (PA)

Yet again M & T bank is pre-dating transactions ( specifically checks ) with the intention of removing the opportunity for account holder to add needed funds before an overdraft fee occurs. I have an entire folder of proof of this scam. 
I'm a bit of a night owl, I always check my accounts after XXXX, and very very often after XXXX. It's not a matter of the checks going through at a later time. They sit on these transactions, they are nowhere to be found, not even in " pending transactions ''. They lengthy agreement I signed with M & T bank promises the opportunity to deposit funds by XXXX to avoid fees. They hold these checks and do not post them to account ( pending or otherwise ) at least not on account holder end. Their staff maintains they can see them the day before. Even worse. They can see them predated, account holder can not. This is why I take screenshots and save every ATM receipt. 
Just today a check took my account negative. The check posted with yesterday 's date. I checked my account at XXXX, nothing pending. This morning after XXXX, check posted with yesterday 's date and negative account. 
Please let me know where to send the rest of my screenshots, receipts, and other docs I have confirming this scam. I attached only 4 screenshots, I have too many to add all of them here
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.
Consumer complaint received 2021-01-20
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.