davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: DISCOVER BANK (KS)

XXXX {$210.00} Discover Credit Card transaction via XXXX XXXX {$100.00} Discover Credit Card transaction via XXXX These transactions were approved by the Discover credit card company even though my billing address on XXXX for the Discover card was incorrect. Discover should have declined those transactions due to incorrect billing address. 

I talked with Discover on XXXX but they said these are pending authorized transactions on which they can't do anything. 

I talked with Discover security department and billing department on XX/XX/2022 from XXXX to XXXX asking them why my transactions were approved by Discover card when XXXX had wrong billing address even-though I made these transactions. That means Discover doesn't validate every transaction I make against my correct billing address which is a serious security hole. But they're not ready to accept it.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with XXXX was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I called the comapny Care Credit 3 times in the month of XXXX, the first time I called I spoke to a representative that said that my address was changed by someone who called in and changed the a address that is not my address, the second time I called in I talked to a rep by the name of XXXX, I expalained that I had not recieved my statement for the month so he ask me to verify my address which I did, but the address that they have on file was another address that I do not know and have never lived at which is XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX which I have never lived there I was told that someone called in and changed via phone and I asked how did they do that without any type of verification, I expalined to him that I have recently became a victim of idenity theft and I am concerned that somone changed this address without my permission. I asked him to transfer to the fraud department he said that he would transfer me but they would probaboy transfer me back to customer service, while I was on hold the phone hung up, I called back and spoke to XXXX explained everyting over to her and she said that the account would be on hold dont worry about the payements until they reviewed how someone gained access to my account to change anything, she also said they can close the account if im concerned that my statements and personal information is at risk once again I was on hold and the phone hung up.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Hyundai XXXX XXXX Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. 

I had an issue with XXXX where i updated my address with them twice over the phone and also updated online. Then i was told that i had an excise tax ma sent to me that i never received. Comes to find out they sent to my old address, that was updated months ago by phone and online. So they decided to throw the excise tax into my month car payment claiming that i missed my leased payment. Wrongly XXXX me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX to the credit bureau as we been making late payments.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

We have asked for over 120 days to address the promissory note and there has been no answer. They have violated the Fair Debt Collections Practices Act. They have also violated Title 18 USC 474 by not denying our claims. Silence is acquiescence. The Deed of Trust has unknown names and different dates. These violate Title 18 USC 474.

They have included 3 different investors on 3 different documents. They named themselves an investor but also a servicer. 
XXXX XXXX, XXXX XXXX, and attorney XXXX XXXX XXXX are all involved.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/22 my JPMorgan Chase account was scammed and the bank refuses to refund the money. Chase imposters scammed me via my online account for {$3300.00} via a wire transfer. I realized it was a scam, I immediately contacted the bank and advised. No action was taken to stop the wire transfer. I went into the bank and they froze my account and I filed a police report. 

After the claim was denied by JPMorgan Chase on XX/XX/22 I was advised to reach out to the wire transfer department to recall the funds. They made several attempts by sending an electronic request to the other bank, which we have the name and the account holder 's name. Chase bank advised that the other institution, XXXX XXXX did not respond to their request to return stolen money, and both institutions do not appear concerned about the theft. Chase bank 's response was for me to contact the other bank, knowing they will not service me since I am not an account holder. Upon calling, that is exactly what I was told by XXXX XXXX, they can not not assist me. 

Here we have XXXX institutions with fraudulent money being transferred between them and there is no recourse for the consumer. This is unlawful and they are getting away with it, the institutions take no responsibility. Appears to be something for law enforcement to look into more. I attempted to find out what law enforcement does, and it appears they don't get involved with the bank, I just need to file a complaint with them so it's on file, but nobody wants the police report now that I have it. 
I'm not the only person that has been a victim of scammers, so there is a lot of money being filtered through a lot of banks and no one is doing anything to stop it. 
Thank you
Consumer complaint received 2022-07-01
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-07-01
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've filed two complaints for the accounts XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that were being furnished with the CREDIT REPORTING AGENCY EQUIFAX and XX/XX/2022 I received a response stating that I DEMANDED BE DELETED FROM MY CONSUMER FILE were sent back as verified. ( I've attached that along side of this complaint as well. 

Pursuant to15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at the consumer file and also receiving the response from the credit reporting agency EQUIFAX THEY ARE IN VIOLATION of that.This inaccurate report is unfair to me beaches I was never notified WHEN THIS INACCURATE INFORMATION WAS FURNISHED, and I was never notified when during your companies initial investigation the you were going to report this information.

Pursuant to15 U.S. Code 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to15 U.S. Code 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the CONSuMER or a competent court of jurisdiction. SO, not only DID YOU faill in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a VIOLATION OF MY CONSUMER RIGHTS.

Pursuant to15 U.S. Code 1681 ( a ) ( 4 ) - You did not insure this information is accurate, and you did not exercise your grave responsibility with the fairness.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC (VA)

On XXXX XXXX XXXX Gemini Trust company LLC paused my withdrawal which didnt allow me to withdraw my balance from my account. The promised to give it to my by XX/XX/XXXX but I never received anything.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (DE)

I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, EXETER FINANCE LLC has violated my rights. 
- 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report.

-15 USC 1681s-2 ( F ) ( i ) ( II ) states that the covered period for consumers affected by covid started XX/XX/2020 and ends 120 days after the date on which the national emergency concerning COVID-19 outbreak terminates.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # 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 consumer reporting agency can not furnish a account without my written in instructions.
Consumer complaint received 2022-06-08
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. (MI)

When i went into XXXX, XXXX, XXXX XXXX i tried applying for XXXX  and it ended up being more than one Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (GA)

In accordance with the fair credit reporting XXXX XXXX  account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-01
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 have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.
Consumer complaint received 2022-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

I believe that I meet the eligibility requirements put forth in the recent Navient Settlement that was announced earlier this year. However, when I attempted multiple times to discuss this with Navient and explain to them that I meet the requirements for cancellation of my loans, they tell me that Im not, but without providing me with a clear reason/explanation as to why Im not able for loan relief. I relied on the following information from the multi-state Navient Settlement information released online that states the following : The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX.
Consumer complaint received 2022-07-28
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 Account # 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.