davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc (PA)

I leased a motor vehicle for the amount of {$13000.00} I made all my payments on time paid within the first two months of the leasing the vehicle broke down and I had it towed back to the dealer the dealer asked for additional funds for the car repairs the vehicle was not drivable. Prior to this within my first month I had the vehicle in the dealer 's shop several times and they declined to fix it or giving me another vehicle I was forced to keep a bad vehicle with multiple problems that was unsafe to drive when I declined to pay the substantial amount for repairs I involuntary repossessed the vehicle to the dealership the vehicle is currently in possession of the ownership of the dealership.
Consumer complaint received 2021-07-18
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: AES/PHEAA (CA)

when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (UT)

I signed up for a checking account with Citi promising {$400.00} bonus after keeping $ XXXX in there for 60 days. I was tedious in ensuring that I followed the correct link to ensure I was getting the offer. 

After the 60 days, I called multiple times to ensure that I had indeed fulfilled all the requirements and to inquire the timing of the bonus payout. Each time, the reps took time to review the details and assured me I had met all requirements. They told me that the payout would occur 90 days after the 60 day period ended. 

Finally after this extended wait time ends I call back again, only to be told that the promotion was never applied to my account opening, even though I was tedious to ensure it was and the reps assured me it was multiple times. 

They told me they'd apply a promotion code after the fact, only to then later say ( after filing a formal dispute ) that according to the code they applied, my account didn't meet some technicality.
Consumer complaint received 2022-08-19
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. (WV)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Since XX/XX/2017, all bureaus to include XXXX, Equifax, XXXX  as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My complaint is about XXXX XXXXXXXX XXXX and Experian Credit Bureau. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2020 and the next is dated XXXX XXXX. 

Because I did not apply for credit with XXXX  XXXX XXXX, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, TX XXXX. The address attached to the inquiry. 

Please launch an investigation into XXXX  XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX  XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023 I had a balance of {$600.00} in my VENMO account, I have transferred money several times over the past year and it has always gone to my XXXX XXXX XXXX account. I didn't know I still had an account linked to my Venmo account under XXXXXXXX XXXX When I initiated the transfer, the money went to the XXXX account. I have not been a XXXX  customer in years so when I realized this happened I called Venmo and they told me that the money had been successfully sent to XXXXXXXX XXXX  and that I must call them and sort it out. I called XXXXXXXX XXXX  on XX/XX/XXXX and gave them the Venmo trace number to confirm the money was sent to their bank. They then gave me another trace number that stated XXXX refunded the money back to Venmo because the account does not exist and therefore they couldn't receive it. I have been calling Venmo periodically since then and speaking to an account specialist who is not able to help me track down my money. I have received email responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX saying that the amount of {$600.00} was successfully sent to XXXX. I have called XXXX and given them my social security number to ensure that I do not have an account with {$600.00}, let alone any money in it, and I have been told 'no ' each time. I called on XX/XX/2023 and XX/XX/XXXX. 
I want to know where my money is, and no one really seems to be helping. I can not get any more information out of Venmo or XXXX and I feel very helpless and out of a lot of money. I am frustrated and would like someone to help me and not just email me that the money was successfully transferred. It was clearly refunded, so I would like to know where it went.
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC (PA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I applied for a mortgage to refinance my existing mortgage with Strong Home Mortgage in early XXXX of 2021. That mortgage closed on XX/XX/XXXX with final documents delivered on XX/XX/XXXX and other previous dates. The clear understanding was there would be no escrow payments for taxes or insurance and I would paly those costs directly, as I have done for the past 10-2o years. Strong then sold that mortgage in XXXX to XXXX XXXX  XXXX. That reselling came as no surprise as Strong made it clear they would resell the mortgage. However, XXXX advises that I owe escrow payments and I have made it clear to XXXX that was not the " deal '' with Strong. I notified XXXX and Strong if the issue and the problem has not been resolved. In fact, XXXX just advised me today that I must make escrow payments including an immediate payment for taxes. I clearly feel this is an illegal modification of the agreement with Strong. I have attached various documents including : emails from Strong verifying that no escrow payments were to be collected ; recent emails with Strong and XXXX ; Closing Documents clearly showing that I am responsible for making all tax and insurance payments and that no escrow is owed to or to be collected by XXXX. I have told XXXX I will continue to make principal and interest payments as I did on the first mortgage payment on XX/XX/XXXX and will rely on cfpb to resolve the issue. Thank you Please see related complaint XXXX-XXXX
Consumer complaint received 2022-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of 2022 I was out town and went to use my card and it declined. Immediately called capital one to see what was going on. They told me the card was temporarily restricted because it was being investigated. I asked why that told me at this time they didnt have information then told me I had to wait 30 or 60 days Im to sure of the exact days. A month or two went by I called to follow up. I then was told I reported this card as fraud and that I didnt open. I then told the representative I didnt not report this as fraud several times I also had mention I been working with a credit service They said okay will make note of this basically tell me dont worry its still being investigated I said okay maybe a month later I got a letter from capital one ask me to submit the supporting documents that this wasnt my account and I didnt open So I called again stating the same thing I did not report this account as fraud. Here I am today investigated completed on XX/XX/XXXX my card is closed now after they so called investigation because I reported fraud and they believed this account is mines. So my question for them was who called and reported this and when because now I need to find out who use my information. Because if I called 2 time and I think it was 3 times Im not sure saying I never reported this card as fraud. My bank account is link to this account Plus I also have a car loan through capital one Lets rewind I told them several times a creditor had been working on my account also who I also reach out to and he said he didnt report this information. This also happen to my husband so thats why I ask for information on who report this because I can only think of this creditor who is working on our credit but as a customer who is trying to protect her identity why is the credit card company Penalizing me after I told then it wasnt me and I never reported fraud on this account
Consumer complaint received 2021-07-18
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: Rocket Mortgage, LLC (IN)

On XX/XX/XXXX, I applied to Quicken Loans / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX XXXXhru XX/XX/XXXX and confirmed that there was no freeze on XXXX Quicken Loans tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at XXXX. I asked Quicken Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if Quicken Loans is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX  or at XXXX XXXX to check the same info on my XXXX report. I am currently being denied credit by Quicken Loans on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. Quicken Loans says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that Quicken can not access, at XXXX. Meaning my XXXX score is also higher. Because Quicken Loans can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. Quicken Loans has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Consumer complaint received 2021-07-18
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: JPMORGAN CHASE & CO. (VA)

I have to dispute the whole united charge of {$370.00} because i did not receive service for returning flight and departure flight was delayed for 7 hours so i did initially dispute half of {$370.00} because i was told by united that i will be refunded that amount because of flight delay of ridiculous 7 hours. 
So I did dispute that much because i was expecting return flight to be serviced but i was wrong they did cancel me from that flight and they told to me that i was refunded for full amount of {$370.00} but they did not refund me so that is why i have to dispute whole charge of {$370.00}, So after they cancel me from flight i did buy new ticket for return flight and i did pay {$210.00}. 
So please refund me {$370.00} because United is rude and they did not refund me as they promised.
Consumer complaint received 2021-06-01
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)

Equifax has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Consumer complaint received 2022-08-19
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. (TX)

I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy
Consumer complaint received 2022-08-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO. (NY)

Everything that I have attached has been sent to JPMORGAN CHASE & CO. signed and notarized.

- 15 USC 1692b ( 5 ) the symbol in the top left give me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & Co has never given me cure or relief so why would I associate this symbol with anything other than debt collection. All communications received on XX/XX/XXXX at XXXX relates to the collection of a debt for account number ( s ) ending in XXXX, XXXX and XXXX. 
- 15 USC 1692c ( c ) I the consumer, a natural person and original creditor submitted a cease and desist of illegal activity, including any communication unrelated to JPMORGAN CHASE & COs termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take. Please see attached exhibit XXXXXX of proof that further communication took place. Also, an Affidavit is meant to be responded to with an affidavit in opposition.

- 15 USC 1692d ( 1 ) ( 2 ) to suggest that an attorney denies representing me a natural person and consumer, is an oppressive statement to which I deem obscene and damaging to my reputation. 
- 15 U.S. Code 1611 ( 3 ) if an organization fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. No further communication shall occur once a cease and desist is in place and that was violated because communication that followed, spoke on topics that did not pertain to termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$1200.00}.