davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

Hello, I am experiencing a nightmare with Chase Cardmember Services. Background : My Chase Sapphire Credit card ( former acct # ending XXXX ) had a high balance and was closed about two years ago and I entered into a repayment plan. In XXXX I called Customer service and held the line for a payoff quote and set up a checking account draft for the balance which was approximately {$7000.00}. I also took the time to provide the Agent with my correct phone and mailing address which had changed since the card account had been closed for repayment. This had never caused an issue because I had set up auto draft for on time payments the entire 2 years. In XXXX I discovered there was some fee or balance on the closed paid account for about {$40.00}. and I again took the time to call into Chase Customer Service. After several transfers and verifying my account over and over, the one Agent informed me Chase had generated interest after the payoff but they saw it was an honest mistake and considering my payment history said they would waive the {$40.00} as a courtesy. I did not think more of until I decided I would reward myself my paying off all of my debt and buying a new home. I attempted to prequalify for a mortgage loan on XX/XX/2022 and the Loan Officer told me that I had a JP Morgan Chase account seriously delinquent and my XXXX score which had been greater than XXXX was now a XXXX and I no longer qualified for the best home loan rate. I was ripped apart by this that Saturday and Chase phone system was down and I could not get through. Then Chase was closed on the 9th and I began calling on Monday the XXXX. It took 3 calls, verifying my account with XXXX XXXX XXXX Employees attempting to transfer me to a Supervisor with the call dropping each time before I finally get a Supervisor to help and transfer me where they reviewed the call log and notes and saw I had called on XX/XX/XXXX but they said the call was disconnected and the Agent must not have followed through with the request. The Supervisor again said she would remove the {$40.00} fees and to call back in 2-3 business days and perhaps I would need to talk to their credit reporting team. I called back tonight, transferred around finally to Credit and they said there was nothing they could do about this late payment on a fully paid closed account. Please contact Chase, investigate and add my name to a database for the class action lawsuit they will most certainly have coming their way if they treat their Customers this way. I do not know if I can buy this home now over {$40.00}. I am devastated. Thanks for your help.
Consumer complaint received 2020-02-11
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. (MI)

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. Equifax and XXXX have fixed some of them but XXXX  has not fixed any of the errors.
Consumer complaint received 2022-08-24
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. (IL)

I have several inquires on my XXXX Credit Report for XXXX XXXX which I did not request or authorize. I have contact XXXX via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks
Consumer complaint received 2022-10-17
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hidden Oak Group, Inc. (MS)

On XX/XX/XXXX I took out a personal loan through XXXX XXXX  XXXX. On XX/XX/XXXX I started to receive invoices from XXXX XXXX XXXX XXXX who stated they took over the account from XXXX XXXX  XXXX. I continued to make monthly payments to XXXX XXXX XXXX XXXX until the agreed last payment was due XX/XX/XXXX. Payments were auto-withdrawn from my bank account monthly. I was told I was unable to have an online account with Marketplace Loan therefore I was never able to access pertinent details to my account. 

On XX/XX/XXXX, I pulled a credit report which showed negative impact from a personal loan. I started a dispute with the credit bureaus. I also began to call XXXX XXXX to get this issue corrected, as I was continuing to make payments as scheduled and promised. Credit Reporting Agency shows contact phone of : ( XXXX ) XXXX -when I called it said XXXX XXXX  XXXX. Every single person at XXXX XXXX that I had previous conversations with and had their names, phone # 's and emails were no longer existent. The phone # s for them which were XXXX, XXXX, XXXX, XXXX are no longer existent. When I call all their numbers, they are all different companies. Some of the representatives at these companies said they were unable to release the names of the companies they worked for and none of those companies claim to know any of the representatives I have dealt with over the years, nor the name XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX. They say that they have owned those phone # 's for years. No one can find my account numbers or social security # 's on their records. On XX/XX/XXXX I was contacted by a debt collector from a company called Grassy Spring Group via XXXX  XXXX XXXX  ( XXXX  ) who states XXXX  XXXX  XXXX  gave them my account. I once again contacted all the # 's I knew for both companies XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX and the # 's all have new companies once again and no one knows about the ( XXXX ) companies in question. And all the # 's now belong to new companies such as Lease Customer Service and Legacy. I have detailed notes of every person, department, phone and companies I spoke to almost daily since XX/XX/XXXX. I have not been able to get any answers from anyone. I fear this was a scam, that my identity has been released to numerous companies, and that after paying them THOUSANDS of dollars, they are falsifying my debt. I feel helpless and hopeless and hope that someone can help me put an end to this.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several inquires on my XXXX Credit Report for XXXX XXXX which I did not request or authorize. I have contact XXXX via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks
Consumer complaint received 2022-05-17
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. (AL)

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-10-17
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-14
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. (IL)

On XX/XX/XXXX I certified mailed a clear and legible notarized FTC Identity Theft Report to Equifax. Along with clear and legible copies of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Equifax received it on XXXX XXXX. I called Equifax on XX/XX/XXXX I was told that the documents weren't clear or able to be read. And that I needed to re-submit them. I was given a fax number to resubmit the documents. I filed two new FTC Identity Theft reports to make sure they were legible, clear and that every box was filled in. I then faxed all of my documents to XXXX. I received a confirmation that Equifax received the fax on XX/XX/XXXX. I called today and spoke with a representative from Equifax by the name of XXXX. He said the system couldn't authenticate me. I asked to speak with a supervisor. I was transfered to XXXX XXXX He said his ID # is XXXX. He and XXXX both initially said they couldn't see my documents. But that they were not legible again. I said that is not possible. He then said Oh now I can see them. Yes they are not clear. They have a XXXX spot on them and are blurry. So he said for me to send my documents in again. And a letter requesting to be authenticated. I AM SOOOO UPSET. Equifax is playing games and violating laws. They received clear legible documents. I will attach the documents that I sent them.
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (PA)

On XX/XX/22 I contacted Westlake Financial, LLC & spoke to XXXX informing the company of their violation against Pennsylvanias Usury law. I was told that there was no such department that would handle my complaint in regards to my illegally charged high interest rate of 20.90 % on my auto loan of {$17000.00}. According to the consumer law the maximum interest rate is only 6 % in PA where I purchased the car and where I reside. I want the company to pay me the charges of 3 times the amount charged 3x ( {$17000.00} ) whilst voiding the contract and removing their secured interest interest in my vehicle due to their predatory lending practices. Under consumer law I have rights to remedy. I am exercising my rights to the fullest extent of the law.
Consumer complaint received 2022-10-17
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. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-17
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-17
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, has violated my rights.

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
Consumer complaint received 2021-09-05
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. (TX)

I have sent several disputes to Equifax regarding my credit file & they havent deleted all of the negative information including the hard inquiries. I know that theyre using the XXXX system but by law according to the FCRA section 611 I have a right to see how theyve come up with the information that caused them to leave the inaccurate information on my file.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

I have been dealing with Navient since they took over from Sallie Mae. At one point when we were struggling financially after my husband lost his job, I asked for help and Navient never let me know of any income based repayment plans, I was only steered towards forbearance and, during this time of forbearance, they charged two late fees even though I wasnt supposed to be making payments. When I would ask about the Public Service Loan Forgiveness program, I was misguided and even just recently I asked about this and was told I could just try for Economic Hardship. I have now completed an application for Direct Loan Consolidation after learning that my loans never actually qualified for the PSLF, after all this time, and I have spent YEARS working in a qualified public service job. Needless to say, since Navient took over from Sallie Mae, this has been a nightmare and Ive been paying on my loans FOR YEARS and I owe more on them now then I did years ago. To top it all off, now Ive learned that a settlement has been reached with Navient however only 39 states will be involved in this, despite the remainder of us in the other states who have been taken advantage of all this time!
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

For the past few months I have been disputing inaccuracies on my credit report. The asset amount XXXX, Equifax and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a collection posted in my credit report Trans Union from XXXX account # XXXX for the amount of {$650.00}, I contact them and ask for copy of original documents, I dont have knowledge that this account belongs to me. I ask several times to TransUnion and XXXX Company to investigate this account but I only receive for answer that this account belongs to me.. How I know is mine, the company never provide a proof, any receipt or document sign for me. I Request of Production but they failed to send me those documents.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

Re : Case Number XXXX The referenced case was filed concerning the late posting of my payment to the credit card account with First Progress Card. The initial payment of {$40.00} was made through my bill payment service with XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card account with First Progress on XX/XX/XXXX, which resulted a late fee of {$11.00}. Subsequently, I made the late payment fee on XX/XX/XXXX via XXXX  XXXX XXXX which posted on XX/XX/XXXX to account with First Progress. I don't understand why it only took one to post the {$11.00} and it took several days to post the {$40.00} payment. Both payments were processed via bill payment service with XXXX  XXXX XXXX. Yet, Mr. XXXX XXXX, Vice President with First Progress Card, for lack of properly researching the issue, indicted in his letter dated XX/XX/XXXX that they have not received the payment mentioned in my complaint. I have done the proper research because this is a financial that matters to me and my family while managing through a pandemic. I included supporting documentation to substantiate my statements. Also, the payment for the balance of the account with First Progress card was posted on XX/XX/XXXX. It really disturbs me that I am penalized {$11.00} for timely payment and total disregard to this was demonstrated by First Progress during a global pandemic.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

From last year XX/XX/XXXX onwards Equifax is withdrawing {$22.00} from my chequing account on the XXXX of every month XXXX and I found out about it only in XXXX. so I called them and told them that I did not do any business with them to or authorise anthing to be withdrawn from my account at all, I called my XXXX XXXX  regarding this and they said they put a stop payment and going to dispute wtih them as they could not solve it I thought they might have put a stop payment and i called Equifax to enquire about it couple of times in the month of XXXX and when I saw the same withdrawel from my account the same amount for the month of XX/XX/XXXX I called them and they did not answer me properly and hang up on me, And I told them that they can steal money from my account but could not solve the problem or find the reason for the withdawel, i am very upset, XXXX and due to pendamic I am unable to work and this big company is withdawing the amount from my account without a reason. so kindly request you to investigate and ask them to pay the compansation and stop withdrawing money from it to. 

Yours Truely, XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: MicroBilt / PRBC (formerly CL Verify) (SC)

This should serve as a written notice to MicroBilt / PRBC that I XXXX XXXX wish to put a security freeze on any information on my account.