davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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. (GA)

I noticed that on my Equilfax credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my Equilfax and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I recently applied for a Chase credit card twice, last time I applied was XX/XX/20 and the application was pending. I called them morning of XX/XX/20 and I was told that my application was declined, they said I will receive a letter in the mail with further details on why they declined the application. Then I found out that they put a red flag under my name to not allow for Chase to issue me credit cards. I have excellent credit, and I don't see any reason why I should be declined for credit or have a red flag under my name.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NY)

I applied for credit on XXXX through XXXX XXXX. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from SageStream LLC is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TN)

On Wednesday, XX/XX/2019 I sent {$60.00} via PayPal with a {$5.00} fee to someone for a pair of concert tickets. I never received the tickets or heard from this person. I then tried contacting this person but was told that it was fraudulent or a scam. I then contacted PayPal & submitted a complaint/refund. They investigated this & proceeded to tell me that my funds would NOT be refunded because I did this via friends/family not goods/services. I did not know & am very upset this happened. I have pictures from this incident.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (TX)

In XX/XX/2018, the XXXX XXXX XXXX  sent me unsolicited merchandise which I did not order in the form of some type of coin ( I had never even visited their website until recently to figure out if they were a scam ) and sent me a bill demanding payment of XXXX for this coin I did not order. I looked up my rights and found that Im at no obligation to return unsolicited merchandise and so I ignored their mails. I recently received a notice from North Shore Agency that this has been turned over to collections. I have a very good credit score and need to get this resolved. I did not order this merchandise do not want this merchandise and know that I rightfully do not owe them anything for sending me a coin that I never ordered. That said, Im happy to return their coin to them at their expense only. I found that another person has also reported the same issue on the Consumer Affairs website in XX/XX/2019 so I do not know how many people potentially find themselves in this position but wanted to make you aware of their unethical practice and need to know how to proceed? Thank you for your time and support in this matter, Best Regards,
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NY)

RE : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Good day Sir/Madame, Principally, I hold that this 'loan ' was distributed in an illegal manner. 

On XX/XX/XXXX, I was 'given ' a 'loan ' amount from the aforementioned entity. I have met all re-payment stipulations up until XX/XX/XXXX. I was 'given ' this 'loan ' amount under bizarre circumstances. Whilst I had gone through the majority of the prescribed qualification process, I had not completed it, yet this loan amount appeared in my bank account whilst I was overseas, attending to family matters. 

As mentioned earlier, I have up until now met a re-payment criteria instituted by the LendingClub. However, at this time, I have been only fully able to distill the entire circumstances of this 'loan ' ; I have been absolutely engaged with bereavements of a sibling and parent over the past few years amongst other issues. Whilst I fully intend to honor any fair and reasonable obligation, I propose that this 'loan ' fails to meet that criteria, as i did not fully complete the approval process, yet was debited with a 'loan ' amount. 

Upon reflection, I have come to the conclusion that this 'loan ' has predatory characteristics. It has an extremely voracious interest rate. The ratio of payment applied to interest over principle is egregious. Also, as an XXXX-American, I statistically and historically, belong to that group whereby these type of predatory instruments have been targeted. I would like to have the 'lending ' process for this 'loan ' meticulously reviewed in detail. I am willing to meet a fair and reasonable obligation. LendingClub  has been made aware of my position via telephone conversation. They have presented an unwilling interaction insofar as discussing the matter. 


I would be most grateful for any advice or assistance that you can provide for this complaint. 


Thank you.
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

I learned today from my car insurance company that I my policy was increased due to LexisNexis reporting that I have an at-fault car accident that in fact was not my fault as per the police accident report. I have been paying a higher premium for years due to this error and I can not understand why this was done. According to the accident report, I am clearly labeled as V2. In the officer 's summary, it explicitly states " V1 CROSSED THE CENTERLINE TO PASS V2 CAUSING THE CRASH ''. Again, being V2, I was deemed not responsible for this accident.
Consumer complaint received 2020-09-09
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. (NJ)

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Consumer complaint received 2019-03-07
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. (CO)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co, XXXX Chase Executive Offices Mail CodeXXXX XXXX XXXX XXXX XXXX, Ohio XXXX RE : Account Numbers XXXX ; XXXX Dear Sir or Madam : I am writing to dispute fraudulent charges on my account in the amount of {$13000.00} {$12000.00}. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that the charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
Enclosed are copies of my Identity Theft Report, my Colorado drivers license, and flight itinerary, showing that I was not in town or at my house to receive or sign for any packages, supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
In the letter you sent me for denying these fraudulent claims you state I received benefit from these transaction this is in correct. I did not receive benefits from these transactions because I did not receive any merchandise or any type of benefit. 
I have also talked to XXXX EXT. XXXX and XXXX EXT. XXXX and told them I did not make these purchase. They confirmed that the dates, that packages were delivered I was not at my house, I was in another State. They do not want to listen to anything I have to say. They told me that I have to write a letter to Chase Executive office. 
Also please send me all the information you have received for the retailers. Once I receive this information, hope fully including what was purchased and the tracking information. I will review this information. I am sure if you review the tracing information, my signature will not be the signature that signed for these packages. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!
Consumer complaint received 2019-03-07
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: Total Card, Inc. (CA)

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, SD   XXXX  Inquiry Date : XX/XX/2018
Consumer complaint received 2020-07-08
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. (VA)

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts
Consumer complaint received 2019-03-07
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. (TX)

The account shows open with an alleged payment history as if it's a revolving debt the last activity date & last payment date is always reporting for the current month as if I was in a payment arrangement with the collection agency. 

Date of last report : XX/XX/2019 Amont : XXXX Account was disputed with all 3 credit bureaus with no results. Only changed dates to showing the current year & month account was updated to show as opened.
Consumer complaint received 2017-09-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (GA)

J.P. Morgan Chase bank foreclosed on my house on XXXX XXXX, 2017 without Notice as required by law. I notified the attorneys of the deficiency  many days before foreclosure and they ignored my notification and foreclosed anyway. 

J.P. Morgan Chase Bank qualify as a third party debt collector as defined by the FDCPA 15 U.S.C. 1692a ( 6 ), hence not a security interest and has no right to foreclose.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

This company has placed a collection account on my credit report and they refuse to provide proof of the debt from the original creditor. The original creditor has never contacted me about this debt. I believe it is a scam. The collection agency is in violation of the FCRA as they refuse to cease contact and provide proof of the debt.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar Mortgage dba Mr Cooper violated the HOEPA provision prohibiting charging a consumer for payoff demand/quote. The following details are for Loan # XXXX which is now fully paid/closed. 

Mr Cooper allowed a third-party ( new lender ) to indiscriminately request multiple, redundant, and repetitive payoff quotes, then billed me ( borrower ) from the loan payoff funds for the amounts noted below totaling {$250.00}. 

Multiple phone calls to Mr Cooper have resulted in an answer that the loan is now closed and no further action can be taken on their part. 

XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

My credit report shows a fraudulent collections for the I.C. SYSTEMS, INC. 
XXXX XXXX XXXX XXXX  XXXX, MN XXXX PHONE : XXXX It shows a balance due of {$570.00} for which I do NOT owe. This a FRAUDULENT BILL!
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC (CT)

Credit Center XXXX XXXX XXXX XXXX XXXX, CT XXXX This company is the debt collector for XXXX XXXX aka XXXX XXXX  XXXX XXXX. 

Credit Center XXXX ( XXXX ) sent me a collection notice for the above Medical group. I advised Credit Center that the bill was paid. XXXX investigated and confirmed that my original payment had been applied to an incorrect account. XXXX confirmed that they would get the matter resolved. 

Another month, XXXX  send me that same bill. XXXX  did not correct the mistake and continues to send me bills and now telephone calls. I can not deal with these incompetent persons at XXXX. 

Bill paid, confirmed applied to wrong account, never corrected and constantly harassment from this debt collector. 

I have filed a complaint with the Dept of Banking for the State of Connecticut, the agency that handles " debt collectors. ''
Consumer complaint received 2020-07-08
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. (FL)

To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-08
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. (CA)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-07-08
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: Sentry Credit, Inc. (FL)

To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX