davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX  and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX XXXX sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (MA)

recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.
Consumer complaint received 2021-11-12
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: JPMORGAN CHASE & CO. (FL)

I recently viewed my credit reports and noticed an account that I did not recognize. It was a credit card reported from JP Morgan-Chase account number XXXX in XX/XX/XXXX that was showing as a charge-off. I reviewed this account and noticed that the payment history between the bureaus did not match and delinquency dates did not match, further showing the erroneous nature of this account. I disputed this account, but it kept coming back as " verified '' from the bureaus. The bureaus did not provide an original instrument of indebtedness, such as a signed contract or original signed application, that would be required in order to verify this account in accordance with the FCRA. So, I decided to contact JP Morgan-Chase directly in order to see how they were verifying this account. They received my letter on XX/XX/XXXX and, according to the Fair Credit Reporting Act, they have 30 days to verify the account. If the company can not produce the proper documents within that time frame, they MUST delete the account from the 3 bureaus immediately. It has been well over 30 days and JP Morgan-Chase has not sent me any documentation. They are therefore in violation of the FCRA and I want them to comply with the law by deleting this account from my 3 credit reports immediately. If they do not comply with the law, I intend litigate. I have attached supporting documentation.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (MA)

My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines. 

When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity. 

The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result. 

To date, I have not heard back from Barclays on that investigation. 

On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score. 

I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN. 

I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee. 

She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation. 

The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TX)

On XXXX XXXX, 2017, I attempted to post an online payment at Nelnet 's website. Upon clicking the submit button, the site told me to wait ten minutes to submit my payment. This was different the the usual " working '' icon with the accompanying message warning not to hit the " Back '' button. I exited the program. There was no confirmation that any payment was posted. After 11 minutes submitted my payment again. This time the payment completed normally without error. On XXXX XXXX I discovered that XXXX payments were authorized. I contacted Nelnet and was told that it would take 6-8 weeks for a refund of one of the payments. This placed a hardship on my finances, as I was left with sufficient funds to make a full payment on a credit card, and thus had to incur interest charges. I believe the website may be confusing borrowers into authorizing more payments than they had intended and paying fees for insufficient funds. Nelnet should be investigated for their business practices.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, I applied for BBVA Compass XXXX XXXX XXXX ( XXXX ) Card and to my dismay received a message that said " Your application for a BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card has been received and is currently under review. A BBVA Compass Customer Service representative will contact you soon to complete your application. If you have any questions, please call our Customer Service team at XXXX ( XXXX ). Please reference Application ID XXXX. '' I promptly contacted BBVA Compass by phone on XX/XX/XXXX and XX/XX/XXXX about my request for a new credit card product from the bank and was told it is pending review. I have been a banking customer with BBVA Compass since XX/XX/XXXX, I have a checking, savings, line of credit and an existing credit card account still active with the bank. The reason for this complaint is that, I have been lied to by BBVA Compass on my recent request, they are participating in a deceptive practice with their banking products. They have provided me an erroneous excuse as to why I could not be approved for the XXXX XXXX XXXX ( XXXX ) Card. They indicate on the denial letter that they were unable to verify my identity, however they have not done their due diligence to verify it was I that was making this request rather I have been proactive in contacting them and proving to them my identity. I have recently reviewed my credit file and found that BBVA Compass requested my credit report from XXXX on XX/XX/XXXX and has placed a hard inquiry. Since BBVA Compass is claiming the reason they could not approve my credit request is because of their incompetence in verifying my identity, I would need this erroneous hard inquiry on my XXXX Credit Report removed within 30 calendar days.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

I have been fully XXXX and receiving social security XXXX since XX/XX/2010. My loan has not gone away even though it was supposed to as stated in the promissory note. I have still been paying, and dealing with a different company than XXXX now. I 've submited evidence of XXXX to them to no avail. Thank you, and please help. XXXX
Consumer complaint received 2022-09-07
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX is reporting the date last active as XX/XX/XXXX and Equifax is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

XX/XX/XXXX M & T bank called me and stated my account was hacked for {$2000.00}. I took the rest of my money out and M & T staff told me to file a police report. I did file the report and never heard back from the bank or the police.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX17 I opened a checking and savings account with the bank. At time of setting up the acct there was a promo entered XXXX, which had terms that 2 direct deposits must be received and then {$400.00} would be given to consumer in the form of a deposit within 90 days of 2nd transfer. I called the bank last week to advise that my the {$400.00} for setting up the acct with direct deposit was never received and I followed the terms and still have an ongoing direct deposit coming from my employer. The rep advised me that it is because I am transferring the funds from XXXX XXXX XXXX. I explained to him that he was incorrect and XXXX XXXX XXXX is my employer so the direct deposits will say XXXX XXXX XXXX The gentleman apologized and then explained that the promo was updated a few weeks after I set up the account to be for targeted cities only. I informed him that I believed that it is bad business to do the bait and switch. He apologized for the inconvenience and agreed.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MD)

Dear XXXX XXXX : I have called and left a message at the number listed in In response to # XXXX. I have. not been able to reach you by phone or email to further address this concern. It is not resolved. 

All credit reporting is voluntary and historically has been according to the CFPB and 15 U.S. Code 1681. Consumer reporting agencies assumed this role, no one from government appointed them to do this. An elaborate mechanism was developed. You have no authority to say that this voluntary reporting of my nonpublic personal financial information can not be opted out of being shared. 

You mentioned that you will be sending copies of statements. Please do not send any deceptive forms as that may be considered mail fraud. 

I ask that you send validation of debt according to 15 USC 1692g. As a consumer, I am aware that this is an alleged obligation that has yet to be validated pursuant to federal law.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (LA)

I received a check for {$2900.00} from an advertising company to pay for installation of advert on my vehicle and payment to me for advertisement. My payment was to be {$500.00} out of this check, the rest was to pay installation.I deposited into my savings and did not take any money from it because I wanted to make sure check was good. After crediting my account for the amount of check, the following day it was taken back out by the bank who said check was returned. But all it says is returned check deposit on the transaction and I questioned that this would look as though it was me, income I received but I was told by bank that, No, thats how its done. ( This is second time this happens ) But XXXX shows it as income so Im inclined to agree since I was afraid of exact thing. Thank you
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

1. A series of unauthorized transfers totalling XXXX were realized without my knowledge from my checking account at Wells Fargo, most of them between the XXXX XXXX and XXXX XX/XX/2022. The complaint numbers are Claim # XXXX and Claim # XXXX. 
2. I reported these transactions to WF around XX/XX/XXXX by phone. 
3. WF claims that the transactions were done " by you or someone who had your authoritiy '' which is completely false and baseless. See Attachment 1. 
4. I replied to WF with a clear identification of all fraudulent transactions ( with print out ). I also went to the police to file a complaint. See Attachment 2 for the letter, which very clearly explained what happened, Attachment 3 for the USPS receipt that WF got the letter. Attachment 4 for the police complaint and Att. 5 for the list of transactions. 
5. WF did not answer this letter.

6. I called WF on XXXX XXXX, and without any additional explanation, WF refused to reimburse the amounts, despite the provisions of the Fair Credit Billing Act and the Electronic Fund Transfer Act, which WF clearly violates. 
7. I am a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the amount stolen represent the entire savings of my first year of work. I live with my parents in XXXXXXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have tried to get a copy of my credit report today, XXXX XXXX from XXXX Credit Report for Equifax, and they continue to produce an error code. I have not been able to get a copy of a credit report due to a code NH. Attached is a copy of the message that I continue to receive. 


Please give us a call We can't complete your request at this time. Please call the XXXX XXXX team and mention error code NH. 

XXXX-EQUIFAX ( XXXX ) Customer Care is available XXXX XXXX  and XXXX XXXX ET, Mon-Fri ; between XXXX XXXX and XXXX XXXX ET, Sat-Sun
Consumer complaint received 2022-08-25
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX  - {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed
Consumer complaint received 2022-09-07
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. (SC)

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 1. ) XXXX XXXX DEPT OF ED / XXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX XXXX, 4. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX 6. ) XXXX XXXXXXXX XXXX # # # # # # XXXX, 7. ) XXXX XXXXXXXX XXXX # # # # # XXXX 8. ) XXXX XXXX  # # # # # XXXX 9. ) XXXX XXXX # # # # # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

about 2 years ago I tried to open a credit card with lowe 's but it was denied, yesterday XX/XX/2021 I tried to apply again but it was denied. 

I went today XX/XX/2021 to the store to apply in person and it was denied, call today XX/XX/2021 at the lowe 's credit center, and ask why I am being denied. 

They told me you are blocked because the application was not finished, you can go to the store and have them apply for you, I went and they measured the same thing, this time they gave me a reference number XXXX then I got a text with a link between and when I finished they told me that unfurnately been declined at this time. I feel discriminated by LOWE 'S because he is the only one who denies me a credit card, XXXX, XXXX, XXXX XXXX and others do not deny me my credit.or your help thanks,