davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-11-17
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$760.00}
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

I am filing this complaint because the unlawful terms of this car loan with Santander consumer usa. I requested that this account be re-age and all fees and charges that were added to the account and the demand that I pay the amount of {$2400.00} be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth {$7000.00} for this vehicle, but I still owe approximately {$24000.00}. Please investigate this company.
Consumer complaint received 2022-11-17
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: AXOS FINANCIAL, INC. (CA)

The bank Axos Bank has done a hard pull on my credit dramatically reducing my credit score for such a small inquiry. They have done so without my authorization, permission, or knowledge they even existed. I have complained through their email portal, to their customer service email ( which I never got a response back ), and on the phone to at least 6 different agents. I have spent over 3 hours on the phone with different members of the company, each of which has told me something different about how they would send it to the " right department '' and that I would receive a call in a few days. I have been calling them for over a month and have never received a call back once despite having been told 3 separate times by 3 individuals ensuring me " that they figured it out. '' This bank is clearly fraudulent and their XXXX reviews with a 1 star rating overall demonstrate that. I will be complaining on XXXX and filing a complaint with the BBB if this is not resolved soon.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OR)

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (IL)

Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$4600.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TX)

I have been trying to contact Grain XXXX  since last XXXX  XX/XX/XXXX to change my bank account to make a payment. The bank account listed in my account is closed. There is no option to change payment information and I was directed to the contact us page. I also attempted to call and there is no option to speak to a live person. The recording also directed me back to the help/contact us page to make a request to customer service. I submitted another request on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to hear from anyone other than an automated e-mail stating my request was received. On XX/XX/XXXX I received an email from Grain XXXX stating my account payment was 1 day past due. On XX/XX/XXXX I received another email stating my account payment is now 15 days past due. I am trying to build credit and have tried my best to reach Grain to no avail. If time moves from 1 to 15 days in 3 days I am afraid I will receive a mark on my credit soon. There is no excuse for a modern credit card company to have XXXX payment function other than what you initially put in. There is also no excuse for no live customer service! Not even an online chat!
Consumer complaint received 2022-11-17
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. (FL)

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION (AL)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX personnel mailed a completed and certified IRA Rollover/Transfer request to the BB & T branch office at XXXX XXXX XXXX, XXXX, AL. On XX/XX/XXXX I requested the status of the transfer from XXXX and was advised nothing had been received from BB & T. 
On XX/XX/XXXX I went to the BB & T branch office and one of the branch bankers fished the envelope out of her desk, saying 'I thought it was junk mail so I didn't open it. I figured I'd hang onto it for six months and see what happened. ' She did not explain why she failed to open the envelope. She did explain that she thought it was junk mail because part of the address was misspelled as 'XXXX  ' instead of 'XXXX. ' The XXXX XXXX logo was in the return address upper left corner and the stamp was a XXXX XXXX metered stamp. 
If the banker had opened the envelope and processed the rollover in a timely manner, I would not have lost apx {$130.00} from the long-term IRA Certificate the money was to be deposited into. 
During my conversation with the branch banker, she called and spoke with another woman at BB & T headquarters and was advised that the IRA department was closed and no, BB & T would not accept the form as a fax. 'BB & T will not accept faxes from anyone other than our own branches. ' If the banker had read the form, she could easily have contacted me for any questions or concerns. 
The BB & T banker stated she would 'overnight ' the form to HQ on XX/XX/XXXX for processing since they did not do any IRA work in the branch banks. 
I cancelled my checking account while there but did not cancel my credit card because the banker advised I had 'nearly {$100.00} in reward points. ' She recommended I redeem the reward points first. 
However when I attempted to redeem the points on XX/XX/XXXX, they had been deleted from my account.
Consumer complaint received 2022-11-17
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)

This is as reminder to the Credit Bureuas that they have failed to comply with my requests to remove the fraudulent accounts and information completely from my Credit File! I am disappointed and I feel like the Credit Reporting Agencies are not doing their jobs and have grown negligent of their responsibilities. Let me remind the Credit bureaus that they are required to investigate and remove any fraudulent information from my Credit File under the Fair Credit Reporting Act section 605b. Also, the Credit Bureaus have been failing to respond to my dispute letters in a timely manner have been claiming that the items I am disputing are verified and accurate! This is a clear violation of my rights under the FCRA! My Identity was stolen and was used to open these accounts and file these information without my permission therefore these items I am disputing must be removed at all cost! Once again, I need the following items removed completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Family with similar names and SS that only changes by XXXX-XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (FL)

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with ProCollect Inc XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed ProCollect Inc would remove the collection from my credit report. Attached below is my PCI receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (RI)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (TX)

on XX/XX/XXXX I got a phone call from Zwicker & Associates P.C explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.
Consumer complaint received 2022-11-16
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: Klarna AB (WI)

I made a purchase from XXXX on XX/XX/2022 for {$500.00} under order # XXXX. The order never shipped, so I cancelled the order, however, I was still charged for this purchase from Klarna and the full amount was deducted from my checking account. I contacted Klarna and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact XXXX to resolve the issue with them. I then contacted XXXX and was told that they notified Klarna of the cancellation and Klarna is responsible for the refund of my order and that I would need to contact Klarna for a refund. Klarna and XXXX need to talk to each other to get this resolved. Neither company is taking responsibility and I would just like a refund of my {$500.00}. Thanks.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I have submitted complaint before but the case gets closed before I get an answer. I didnt have a call or email from flagstar rewarding my complaint. 

The government is paying my mortgage monthly payments by Department of Economic Opportunity of Florida with the Home Owners Found ( HAF ) and it will occur during a 18 months period. 

The problem is that Flagstar Bank is not accepting the payment of this month. I called them every single day since 4 months before this complaint several times a day and I always get different answers, different information and non consistent responses, mostly they dont really know what Im taking about. The only think they confirmed was we received the payment but we dont know how to apply it. 

Please help me!!!!
Consumer complaint received 2022-11-16
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. (MD)

Hello, I filed several complaints with CFB about the discrepancies on my credit report. I had XXXX bankruptcies on my reports from XXXX, Equifax and XXXX. XXXX XXXX XXXX MARYLAND XXXX XXXX was removed from my XXXX account but is still showing on my Equifax and XXXX reports.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase blatantly lied to both Consumer Finance Agency/Federal Trade Commission with the intent to cover up numerous violations of the Fair Credit Billing  Act. In JP Morgan Chases response to complaint XXXX it said they sent me a notice on XX/XX/2019 that said the fraud that I reported on XX/XX/2019 was under investigation. That is a complete and utter lie and I proved that to you, Consumer Complaint Commission/Federal Trade Commission, with the screenshot of my account PROVING I received NOTHING until XX/XX/2019. 

I will not stand for being lied to by a corporate entity who is supposed to have a fiduciary responsibility to protect me from fraud using THEIR CARD! If you can not hold companies accountable to compliance with the FCBA, and protect consumers like me, please tell me what government agency to contact.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AZ)

On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX. 

This interest only loan is deceptive and used to charge customers triple the value of a vehicle.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NC)

My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for Upgrade to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes. 

Additionally, I have requested during multiple contacts with Upgrade to establish hardship and request assistance or resources and I was advised there was no assistance available because I called within XXXX  day of my next due date. The agent was unable to advise what assistance was available if I did call back. Since then I just received excessive auto dialed calls and illegal voicemails.