davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Received unsolicited financial product or insurance offers after opting out
Company: SECURITY FINANCE CORP (NM)

I was forced to get a loan so Security Finance could process my XXXX  Taxes. But the Loan officer that was doing my Taxes somehow sent the wrong information to the IRS about my claim on my child. So the end result was no Taxes for XXXX  and a loan that I was forced into taking so they could file my XXXX  Income Taxes.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (MA)

Chase bank is trying to increase my credit card account apr, that has stood for more than a decade at a fixed rate 9.99 % apr, to more than 15 % as a variable rate. 
I recieved a mail notification XX/XX/2018, and called in the same night. I went through 2 reps, the 2nd being XXXX, who maintained that even though the first rep said that I would be charged the new interest rate on existing balances, he was wrong and I would not be charged the new interest rate on existing balances. They also had no specific reason available in regards to my accout to justify the rate increase, merely profiteering.
Consumer complaint received 2022-04-12
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. (GA)

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave XXXX, XXXX, or Equifax any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2021-06-06
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 (NY)

I paid {$5000.00} i use Discover credit card to XXXX XXXX on XXXX XXXX as down payment for a new car and on second day we had to go through the contract with a promise they would give me a good deal but i had to pay the down payment to prove that i was serious and if the offer is not good no obligation and i will get my money back. The next day the offer it wasn't good and i didn't like the offer. I asked them to return the down payment to my credit card they said okay but i was not comfortable and worried. On XX/XX/XXXX XXXX i called Discover credit card to dispute the transaction they said i have to give the dealer 10 days to return the money and we can start the dispute on XX/XX/XXXX, if they don't return the money. The dealer didn't return the money credit card company started investigation they found in my favor on XXXX XXXX. On XXXX XXXX discover sent Email to me stated that will continue investigation because the dealer submitted a contract between XXXX XXXX and my son done on XXXX and contract date on XX/XX/XXXXthis deal was finished and my son took the car on same day after he paid {$5000.00} in cash as the contract proven this. I asked Discover credit card it is no relationship between the transaction i disputed happened on XX/XX/XXXX XXXX and transaction it done on XXXX and so far the credit card company reapplied a temporary credit to my account.
Consumer complaint received 2016-01-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST REPUBLIC BANK (CA)

On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I don't understand why I can not decided how my money is disbursed among my loans I pay XXXX a month and the loan provider won't let me split it in a manner that is beneficial to me. The loan provider is splitting my money in a way that creates the highest interest for them instead of actually paying off my loan. I don't understand why they wont let me pay the loans off the way it would help me by paying off the interests that collects each month. I have to make additional payments to cover the interests because my loan provider refused to distribute my payments in way to cover the interests that collects each month and the principle. The loan provider is making it harder to pay off the original principle, when asked why I could not say XXXX goes to this loan and the other XXXX for the other loan the customer service representative told me I could not do it because I would pay off the loan faster!!!!! This makes no sense to me.
Consumer complaint received 2021-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

After sending them a letter to verify a XXXX  account that they claim I owe for {$1000.00}, the company Enhanced Recovery Company , LLC ( ERC XXXX replied back to me on XX/XX/XXXX with a letter indicating that they could not verify the debt and will ceased all collection activity as well as deleting item from the consumer reporting agency. However, on XX/XX/XXXX, I received a letter from ERC stating that I have a debt and I owe XXXX  for {$1000.00}. This company keeps trying to claim a debt that I do not own.
Consumer complaint received 2021-06-06
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. (NY)

XXXX XXXX on Equifax is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s a 1 A person Shall Not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. REMOVE/DELETE off my accounts
Consumer complaint received 2022-09-08
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)

With no dates, as of XX/XX/2022, it shows I have a delinquent account by XXXX days. I have checked every account through XXXX. This is not the case. Equifax is incorrectly reporting my credit and caused it to decrease by XXXX points.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I would like to dispute a collection account with TransUnion Credit Bureau. The account is listed on my TransUnion credit report as XXXX XXXX XXXX - Account # XXXX. 

I've already filed a dispute withTransUnion asking them to verify the accuracy of the information on my credit report. TransUnion claimed to verify the information and stated that the account " meets FCRA requirements ''. ( see attachment ) Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported even after their investigation, so the account clearly DOES NOT meet FCRA requirements. 

15 U.S.C. 1681 Section 604 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

Here are the specific INACCURACIES ( proof is attached ) : Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} There is no way this information is being reported accurately when it is different on every report. TransUnion is in violation of FCRA and is violating my consumer rights.
Consumer complaint received 2020-03-27
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. (NY)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2021-06-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (LA)

Plaza Servic for the amount of {$400.00}. Account says it was opened XXXX XXXX. Account has been placed for collection. However, I never received anything in writing saying this account was going to be placed in collections.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX BANK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$7100.00} XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I logged onto XXXX XXXX  and realized a fraudulent account was opened in my name with XXXX in the amount of {$1200.00} back in XX/XX/2019. I have no knowledge of this account and also never gave any consent to open this account in my name. I have attempted to send letters requesting this account be deleted and stop reporting it to the credit bureaus.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Property : XXXX XXXX XXXX  XXXX XXXX, CA Buyers : XXXX XXXX, XXXX XXXX and XXXX XXXX Single family home ( rental ) Sold and held in aXX/XX/1031 exchange for next property Lender : Wells Fargo Mortgage, XXXX, CA failed to close on time ( 30 days ) because they kept losing our documents ( 3-4 times ) even though the documents were either hand carried in to their office or put in Wells Fargo overnight bag. I have over 200 pages of docs and email stating we must close or face a $ XXXX  IRS bill. Our loan was elevated up to the branch manager who did nothing. Then it was elevated up again to the area manager. He could do anything except apologize for the lost documents. This was approximately a 10 % loan 1-4 units. We were putting $ XXXX + down payment. We were within days or either closing with all cash or pay the IRS. We closed with cash. Even after I email them and said we are closing all cash, no denial of the loan was recorded for any reason, nor was any form sent out to us. I requested all our documents back to re submit to a new lender. The underwriter sent about 10 documents. I emailed back and said Im filing action with the government for your actions. She then sent about 90 %. 

I have all emails ( maybe 50 ) from all the Wells Fargo employees for our review. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-15
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)

I received a report that changes were made to my report with actions taken by XXXX modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by Equifax stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from Equifax stating dispute was completed and view now ; when I try viewing Equifax sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

XXXX made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by Equifax. Every change is reported to 3rd party credit monitoring service.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (IN)

I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold XXXX XXXX erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from XXXX XXXX who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My FICO score it's XXXX XXXX & Experian, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account Executive the school assigned to students file. NDSL ( National Database for Student Loans ) credential the XXXX  student as documented as XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX  and XXXX XXXX XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of XXXX on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

XXXX XXXX  has repeatedly sent me to different collection companies for cable boxes that were allegedly not returned. I lived with a roommate and when we parted ways in XXXX of 2017 we went to a XXXX  store in XXXX XXXX and requested a transfer of responsibility to his name. I don't believe they gave us any documentation but i no longer received bills in my name and i believe they began emailing him the bills instead. Also this was 5 years ago so if there were paperwork i wouldnt still have it but they should have record of who they were billing and receiving payment from last. The last time they sent me to collections i successfully disputed it and it was removed from my credit report. I gave XXXX the name and phone number of the person responsible back then why they chose not to follow up i dont know or understand. Since then they recently started a new collections with a different company but never sent me anything in the mail i only found out by monitoring my report with XXXX. I have tried to dispute with XXXX  but they have unjustly sided with XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Follow up to CFPB dispute XXXX. Dispute letter date XX/XX/2022 requesting Equifax to remove inaccurate address information from report. As of XX/XX/2022, inaccurate information still reported on credit report.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I closed my XXXX XXXX Account on XX/XX/XXXX. They said sent me a statement saying I owed them {$7.00}, 2 or 3 times, but I NEVER received any of the statements. I have NEVER paid my bills late and for some reason my mail was returned to them saying my address was incorrect. I never had a problem getting my statements from them before my account was closed. I have lived at this same address sincxe XXXX XXXX. I feel it is VERY unfair to lower my credit score and have this 30 days late payment on my credit report when it was out of my control. If I had known that I owed them money I would had paid it on time as usual like I always have. I want this 30 days late to be removed from and also my credit score reinstated as it was before this happened.