davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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. (SC)

still reporting false, misleading, and inaccurate information on my consumer report. sent several letters and they refuse to remove false information, refuse to do a proper investigation, and refuse to send proper validation
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Nelnet, Inc. (NY)

DEPTEDNELNET Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Consumer complaint received 2019-09-23
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: EQUIFAX, INC. (FL)

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards.
Consumer complaint received 2021-09-14
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. (PA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem to be fixed ASAP. I will not wait another 60 days to receive no response because clearly you all ignored me. I demand these accounts be deleted immediately or I will file for a litigation due to the XXXX you caused me. Section611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

In the last 2 months, Loan Depot has rejected my mortgage payments. This causes me a major financial crisis as I have to make another payment to Loan Depot over the phone. Both of these payments come out of my XXXX XXXX checking account. This is hard on me as I have to wait for the rejected payment to be put back in my checking account. I have called Loan Depot about 6 times and one customer service rep admitted to me that Loan Depot has done this to other customers. Three times I asked for a manager to call me back to resolve this issue and still have not received a call back. I feel Loan Depot is trying to force a foreclosure on me. For the first 5 months there were no problems with my payments. Starting in XXXX, Loan Depot started rejecting my payments. My bank account has not changed over this time frame. My account with Loan Depot has not changed over this time frame. 
Thank you.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account. Three different funds were Ach'ed from my account and my account was originally in the negative - {$140.00}. My account is now negative {$580.00} and I've spoken to a representative about the charges because all of the charges that were removed from my account as an ACH were returned back to my account, but the charges still remains. I asked the representative can the fees be credited back to my account and I will clear up the remaining negative balance but I am being told it can not be done. 

XX/XX/2022 FEE OVERDRAFT PD - {$70.00} XX/XX/2022 CREDIT  XXXX XXXX XXXX  XXXX {$680.00} XX/XX/2022 DEBIT OVERDRAFT RET. - {$35.00} XX/XX/2022 FEE MAINTENANCE FEE - {$15.00} XX/XX/2022 XXXX XXXX  XXXX {$130.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  XXXX - {$680.00} XX/XX/2022 FEE OVERDRAFT PD. - {$70.00} XX/XX/2022 XXXX XXXX XXXX - {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX  PAYMENT {$300.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  PAYMENT - {$300.00}
Consumer complaint received 2021-03-07
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: Carter-Young, Inc. (GA)

On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from Carter Young Inc. and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2021-09-14
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-09-28
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: Avant Holding Company, Inc. (IN)

There is a WEBBANK/AVANT credit card account appearing in my XXXX credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called XXXX ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( AVANT ) managed to create an account that appears on my record. I called AVANT and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a XXXX dispute in place ( I can provide case number if needed ) but XXXX has not resolved the problem and removed this account that is not mine. 

This account only appears in my XXXX report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my XXXX XXXX. I am pleading for help with this situation.
Consumer complaint received 2021-03-06
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. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 


I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Experian has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Experian ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX ; XXXX/XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to t that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!
Consumer complaint received 2021-03-06
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. (IL)

I am trying to remove a dispute from my credit report in the remarks section of XXXX XXXX XXXX. I have called many times and it appears that the agents do not know how to remove remarks from the credit report. When I contacted the other two credit reporting agencies, they were able to remove the remarks within a few hours and not days. Th first time I called on XX/XX/21 they gave me dispute number XXXX. Then, I called again on XX/XX/21 and the agent told me that the first agent did not do this correctly and canceled the dispute and gave me a new dispute numbered XXXX. The dispute was marked resolved on XX/XX/21 but they did not remove the remarks as requested. Instead, they contacted XXXX XXXX asking to verify the information, which is not what I wanted. I just called again on XX/XX/21 and now they gave me another dispute number XXXX. But the issue is still not resolved. If fact it is now worse then before because apparently an agent also put in a dispute for XXXX XXXX 1 which I never disputed. It appears the Equifax does not know how to handle this type of request as the other reporting agencies are able to. Also, now I notice that the other two credit agencies now have a message in the remarks section saying that I disputed this account. I believe this was added because XXXX XXXX sent the updated info a to all 3 reporting agencies when the dispute was filed which now, I must call the other two reporting agencies again to have them remove the remarks again as I am not disputing them.
Consumer complaint received 2021-08-01
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: CITIBANK, N.A. (IN)

Attempted purchase of a freezer through Sears on XX/XX/XXXX. Item was not delivered as promised. After multiple missed delivery dates by Sears in which they continued to reschedule new, later dates, we finally cancelled the sale in XX/XX/XXXX, nearly 6 months later because of the non-performance on their part. We were promised a refund within 3 days by the customer service representative, which did not happen. After allowing 5 billing statements without a refund, we sent a letter requesting the refund. The letter was sent XX/XX/XXXX and we have received no response from Sears. Enclosed are the statements and the letter. As you will note, the amount that should be refunded is : {$1300.00} per Sears, although the amount charged was {$1300.00}. Sears states that they are keeping a dollar for undisclosed reasons, which we take issue with, since they have had our funds, interest free, for nearly a year. Please note that the refund should be sent to our new address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MO)

I want to report this debt syncs/Lowes account number XXXXI tried to contact them but they dont have my account, ,I never own this account.I wanted them to verify my account which they said on my report is verified, but I never received any mail or verification, Then I received unknown company agreement, which I never spoke or agreed to, ,I even tried to contact this collective agency company to verify my ownership, .They dont answer .I tried to call, and company dont recongnize my file number or social security number, Something is very wrong here, ,Please investigate .I will attach what I received,,, and again letter said we spoke in XXXX, I never spoke to them, Please remove this account from my fil
Consumer complaint received 2021-03-06
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)

I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX  XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 
2. XXXX, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Paypal user agreement and policy is to fine up to XXXX for consumers who may share misinformation. This is a credible problem as they do not dictate what a consumer can share otherwise faces penalties. Who would be correct in determining misinformation when misinformation is only a persons belief. Lastly, this companies policies goes against XXXX.
Consumer complaint received 2022-08-11
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: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/XXXX Synchrony Financial XXXX XXXX XXXX XXXX OH XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX Last 4 of SS # - XXXX
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

We had transferred {$1800.00} from Chase Bank into the tiny XXXX XXXX XXXX XXXX  in XXXX XXXX to have work done that had to be canceled after a storm.Our jeep was totaled in a flash flood at our remote ranch outside XXXX XXXX on XX/XX/XXXX. We were unable to get home and stayed with friends who had no internet or transportation. We were able to get a ride to the XXXX XXXX XXXX XXXX  in XXXX XXXX to get temporary checks and to move money from this little used account back into Chase bank via our mobile app operational inside the bank the date of the transfer. While finalizing a {$4000.00} loan to get our jeep replaced, that lender suddenly withdrew without explanation. We subsequently discovered through a Chase branch manager in XXXX Texas on XX/XX/XXXX on our way back home to XXXX XXXX Texas that an actual freeze had been put on our entire account, not just a hold. While we seemed to have funds in the account on XX/XX/XXXX I proceeded to pay bills unaway at that time there was a freeze on the entire account. I requested Chase launch an investigation into all the communication between us and a department called Loss Prevention Team that withheld vital information about our account, gave contradictory instructions and have generally acted in bad faith. Chase refuses to launch an investition into the communication between us and their Loss Prevention Team.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC. (TX)

I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXXXXXX XXXX  on XX/XX/XXXX. 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end. 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I had long term impact with XXXX health wise. During recovery I gave my creditors my Chase checking details so I can be set up in auto payment. 

When I recovered I removed auto payments and I made payments myself. 

Than I realized I forgot to stop some auto payments with certain creditors. 

That resulted is a negative balance in my checking. 

This morning I tried to transfer {$50.00} and deposited {$56.00} to the checking trying to make it XXXX or positive balance. 

My chase app froze and instead {$50.00} full {$500.00} went through ( almost entire saving ). 

I was not sure if I can transfer back the {$500.00} given my negative balance. 

I called Chase Bank and the customer service person understood scenario and said he will contact online banking to see if he can help. He was wonderful. 

After being on hold for a LONG time this lady came on frauds department approximately around XXXX XXXX  today. 

She was EXTREMELY rude. I thought it was a transfer so I was shocked she asked me same questions and asked for my debit card number. 

I asked her if she spoke with other representatives - she got annoyed and very nasty because she didnt like me asking questions why I am questioning the inquiry of repetiion of sensitive information by the wrong department. 
I was expecting online banking department not the fraud department. 

She in a very rude and nasty way asked me what was going on - I shared my situation as mentioned above. She was just not getting it all and was ready to mark my creditors as fraud. This customer service person DOES NOT listen and made up her own false conclusions. 

I requested to get the 1st customer service representative back. He was courteous and understood the issue. 

The fraud department lady got nasty again and started screaming at me because I kept fixing her false conclusions. Than I realized this lady is trouble. I requested for her to stop getting an attitude with me and to transfer me. She cut me off because my statement was not to her liking. 

This is unacceptable and Fraud in itself when your Fraud specialist is making up false narratives. 

Also these type of representatives gives a story the line was cut off ... .. very conveniently exactly at moment when it did not go in their favor.