davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

I am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc (WA)

XX/XX/2021 Amount : {$27.00} It says in the email that my PayPal account has been limited. And that I need to either login or submit a payment cancellation form. When I went to the website it said that this information is serious. Also, it said that Im being charged on my PayPal account {$27.00}.
Consumer complaint received 2022-07-03
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: KEYCORP (CT)

Key bank is reporting a XXXX balance on a XXXX max credit line which the supervisor of keybank agreed to remove this account due to my police report submited and frozen reports to in place .XXXX, and XXXX please remove this Account ASAP. 
Thanks
Consumer complaint received 2022-09-23
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. (AL)

New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (CT)

On XX/XX/XXXX, I was approved for lease loan in amount of around {$2500.00} with Acima. A lease agreement was signed for a purchase with XXXX XXXX XXXX, however, order was then canceled as I decided not to proceed with purchase.. On XX/XX/XXXX, I attempted to make a purchase at XXXX 's XXXX, was declined.. It appears the prior purchase may or may not have something to do with decline, the order might still show in process and or merchant has not canceled on their end... I attempted to clarify situation by speaking with Acima rep, was told no information regarding decline ... There appears to be a technical issue which Acima reps refuse to address
Consumer complaint received 2022-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my niece forwarded me an email that Chase sent to her for a survey they are soliciting regarding my recent banking experience with their representative. This is a problem because my niece is not included in any of my accounts with Chase. I contacted all the different departments in Chase in which I have an account ( checking, savings, mortgage, and credit departments ) to figure out how my niece 's email somehow got associated with my account that caused the survey to be sent to her. All departments I spoke to said they only have 1 email on my account, which is my correct email address. The last department I talked to was the Chase banking who also confirmed that only my correct email address is showing. However, the person I spoke with, who is supposedly a supervisor, XXXX ( did not give me his last name ) said that he would contact Chase 's Communications Team and request that they remove my niece 's email anywhere on my account. I asked him for a written confirmation of this and he said that I will get a letter in the mail in 7-10 days. That was on XX/XX/XXXX when I spoke to him and all representatives of Chase. It is now XX/XX/XXXX and I still have not received any letter in the mail.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I am an authorized user on this Home Depot card ; however, this account is only reflected on my XXXX report. I have contacted Home Depot and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that this account had been removed from my XXXX and XXXX  reports and only remained on my XXXX  ; however, XXXX had not  updated my payment history since XX/XX/2018. I reached out to Home Depot and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Home Depot. I would like for my payment history on this card to be added to my XXXX and XXXX reports as it once was but also updated on all 3 bureaus so that it reflects current and ok payments to date.
Consumer complaint received 2023-03-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous.

The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-04-17
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. (TX)

XXXX XXXX Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code :  Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Consumer complaint received 2022-07-03
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
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. (MO)

In accordance with the Fair Credit Reporting act Kansas XXXX XXXX Acct # XXXX and XXXX XXXX XXXX  XXXX, have 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 2022-06-08
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. (NY)

On XX/XX/2021 a transaction of XXXX was charged on my Chase credit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed the transaction when we filed the claim but later counted it again when they said that this transaction was made with the physical chipped card and so denied this charge. I later learned that our card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.
Consumer complaint received 2021-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (IN)

a lawsuit was filed against me in a state i never lived in and never signed paperwork in i was married it was in our divorce decree that ex was to take over all debts on auto and refinance ex did not do that, the XXXX XXXX XXXX hired a attorneys in Ohio to handle the loan debt, the Law firm filed a suit on me with a false address In OH In XX/XX/2020 the law firm used an address that i never lived at nor that i know of, I have lived in Indiana for XXXX yrs. I was never served.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting ActXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX # 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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. (MS)

Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-23
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)

I have submitted my dispute with Equifax 30 days ago and have not heard or received any update. I called in and was told they never received my dispute. Please accept this as my dispute. This is to ensure that you have received it.
Consumer complaint received 2022-09-23
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. (IL)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

A little background information, when you make a purchase XXXX XXXX for grocery delivery they generally charge excess of what they end up settling for in case the total ends up being more than originally anticipated. 

When these transactions are settled by XXXX for less than originally expected, the excess is supposed to go back into the available balance. Instead, Chime is holding that excess in pending for an additional XXXX days. 

This has happened several times. The most recent occurrence is a transaction on XX/XX/2022 at XXXX. The transaction settled on XX/XX/2022 for {$13.00}, leaving an excess of {$0.00} in pending transactions. I have sent written support tickets to find out why they are doing this and effectively holding that excess money hostage in pending. I have been unheard by customer support and dismissed by a supervisor named XXXX. I was placed on hold for an extended amount of time ( greater than 25 minutes ) and then transferred to a queue with a wait time of greater than 10 minutes after being told he was just going to check the account. I created a chat support ticket and they didn't even read what the issue was and copy/pasted a generic response that I can't dispute pending transactions and when I informed them it wasn't about a dispute, dispute agent XXXX copy/pasted said generic response about 3 more times anytime I said it was not a dispute issue. I want to know why Chime is holding any excess a transaction settles for hostage in pending for an additional 7-10 days. I also no longer wish to deal with their customer support/supervisors after being treated like complete dirt by them,
Consumer complaint received 2022-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IA)

Sallie Mae XXXX XXXX loans taken out in 2016. Total amount of all 4 loans is around XXXX. I can not afford the payment of over XXXX per month ( since I graduated ) and I am and was considered XXXX. I believe I was on XXXX when I took out the loans. I have tried twice to file a XXXX discharge for the private loans. I had a federal XXXX discharge prior to taking out these private loans so that I could finish school. They will not discharge the loans because I am working part time ( even though I earn under the allowed amount by Social Security. ) I am now 17 days behind on my payment this month and they are calling me 4-5 times per day and demanding not only THIS months payments but NEXT months ... .I need help. This is discouraging. I am doing the best I can ....
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

Item no. XXXX has no record on the PayPal portal where I can request a refund. The seller refuses to perform the refund even though I sent the documents. For some strange reason PayPal does not have it documented where I can request a refund. Something is very wrong here. Sent USPS on XX/XX/2020. Charged {$15.00}. 

Item no. XXXX never received. Requested refund of product and shipping fee. About {$24.00}. Purchased on XX/XX/2020. 

Item no. XXXX returned to seller.. Seeking refund on my PayPal account . Purchased on XX/XX/2020. 

I can not get PayPal Credit or XXXX. There seems to be a problem securing a refund for these 3 orders on XX/XX/2020.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX -XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-06-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

About three weeks after we signed a purchase contract in XXXX, XXXX  for a XXXX XXXX house at its XXXX subdivision in XXXX, California the mortgage lender Loan Depot told us we must sell our present home we occupy. 

We followed the right steps. 
1.We inspected the XXXX XXXX XXXX and chose XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX 
2.We paid XXXX XXXX to hold a model until XXXX XXXX lender of choice gave us a preapproval letter so we could then sign a purchase contract. 
3.We contacted Loan Depot because XXXX XXXX said it prefers to work with Loan Depot XXXX We emailed Loan Depot all of our paystubs, W2s, bank statements, credit authorization and what they asked for before they would give us a preapproval. 
4.In an email Loan Depot asked us if we would sell our home before we purchase the new home. We said no because of the Covid virus we didn't want potential buyers coming into our home. 
5.Loan Depot gave us a preapproval then we signed a XXXX XXXX XXXX contract.

6.Again three weeks later Loan Depot said we must sell our present home.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CO)

THE FIRST PROGRESS SECURED CREDIT CARD IS NOT DELINQUENT. FIRST PROGRESS OWES ME MONEY. I CLOSED, MY ACCOUNT, WHILE MY BALANCE WAS LESS THAN XXXX DOLLARS. THIS IS A SECURED CARD, WITH A XXXX DOLLAR LIMIT. I AM OWED MONEY. FIRST PROGRESS HAS CHARGED-OFF MY ACCOUNT. FIRST PROGRESS STATES THAT I OWE OVER XXXX DOLLARS. FIRST PROGRESS SHOULD OWE ME, A LITTLE UNDER XXXX DOLLARS.
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

CFPB + Hunter Warfield, Per my XX/XX/2022 XXXX credit report there is a collection from your company listed I am unaware of and I am requesting its validation. 

Attached to this complaint are : - drivers license of ID as well as address - written complaint - screen shot of location on credit report Please have this investigated, and if it can not be validated, removed from my credit reports immediately.