davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AR)

On XX/XX/2020, I did a transfer or attempted to transfer {$50.00} from my child support card and it actually went through twice. I entered my XXXX account number but it never let me enter routing. When I called XXXX, they confirmed without routing funds would be returned. Ive tried calling and reached two individuals who said they would refund money back to my card. Never happened and now when i call, i wait on hold for over an hour and they hang up. I need my money bc I am now XXXX and living with friends
Consumer complaint received 2020-07-16
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: Premium Credit Bureau (FL)

Greetings, I have reached out to all the XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AR)

breaching promissory notes HOA FHA Federal Housing Administration ( FHA ) .breaching promissory notes JP Morgan Chase Breach of contract .In XXXX i missed a payment XXXX i paid up to XX/XX/XXXX XXXX, and XXXX In XXXX after asking and filling out for repayment i was denied but Chase put me on Forbearance for 3 months to catch that one payment up i could not been behind no more XXXX  or less, i paid little over XXXX   before the Forbearance but i broke the Forbearance and Keep paying XXXX XXXX XXXX i did this up XX/XX/XXXX .In XXXX i had XXXX bank and i had Alert my account was used unauthorized i checked to make sure it was not purchase i made and it wasn't the payments for bill pay was put on hold Chase payment XXXX was return because the money was on hold. I made payment XXXX as soon as i noticed it but Chase put the payment on XXXX i tried to tell them they no payment due for XXXX i paid it .but it put me payment behind Never got it fixed they was right you are wrong even though i sent proof to them. Then in XXXX i made payment and XXXX, XXXX, XXXX in XXXX i looked on my account i was 3 months behind, for XXXX, XXXX, XXXX, I sent proof the Chase by secure message .by mail, and XXXX  XXXX over night several times to both case workers with loan number on bank statement and signed, directed to them they got them no matter how hard i tried Chase would come back with different loan and different payments .In XXXX i made a payment XXXX they gave credit for XXXX but it went for Franchise Fee 's not any of my payments i made .I did talk to one rep he said you owe under XXXX i ask for proof of that i got letter from Corporate Office XXXX XXXX then the balance change to XXXX i never was behind that much when i was paying XXXX XXXX XXXX and XXXX on payments they said i missed and i tried to prove the wrong but it fail. They have committed Escrow Fraud, they sent me balance .it was XXXX XXXX XXXX to XXXX -- XXXX then XXXX, XXXX to XXXX .then XXXX. XXXX to XXXX with balance due XXXX they can't due that each year goes to taxes and insurance then a new year starts. that Fraud. In XXXX i paid little over XXXX in Escrow but they say don't see it. In XXXX i paid over XXXX in Franchise Fee 's but they said they don't see it on my account? In XXXX of XXXX they got loan HOA XXXX FHA i more less forced to take it or loose my home when i paid down to 17 years. Chase removed the XXXX and placed it in XXXX the Breach of contract. Chase sold my loan and transferred XXXX to XXXX XXXX  and keep the XXXX that Breach of contract in Mortgage XXXX XXXX XXXX XXXX Chase is longer Service my loan and sold it as soon as they got the XXXX in XXXX they won't answer about the Fee 's but they was selling my loan in XXXX and using my payments to pay for attorney that is Fraud. account XXXX I draw XXXX they took ever chance they could. They broke the Mortgage Recovery Advance Note of XXXX that should be returned to HOA FHA, i never revived it and Chase keep it when they sold my loan.,
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MN)

BACK IN THE MONTHS OF XXXX TO XXXX OF XXXX NELNET FEDERAL STUDENT LEARN SERVICER REPORTED TO THE MAJOR CREDIT BUREAUS THAT MY STUDENT LOANS WERE XXXX DAYS PAST DUE WHEN THEY WERE IN DEFERMENT FOR WHICH I APPLIED FOR AND BECAUSE OF COVID WERE AUTOMATICALLY PLACED DEFEREMENT AND FOREBEARANCE AND ARE NOW CURERENT BECAUSE OF SUCH REASON, CONTACTED LOAN COMPANY AND EXPLAINED SITUATION AND THEY REFUSE TO DO ANYTHING OR FIX IT WITH THE CREDIT BUREAUS, AND NOW THESE INCORRECT REPORTINGS HAVE CAUSE ME TO BE DENIED CREDITAND WOULD LIKE THEM CORRECTED ASAP ... ... .....
Consumer complaint received 2022-10-04
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-16
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. (FL)

Greetings, I have reached out to all the Equifax concerning inquiries reflecting on my credit report I did not approve. In this process, Equifax provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. Equifax provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KS)

I purchased a vehicle at online insurance auction XXXXXXXX and my vehicle was never delivered after I filed dispute with my bank chime Since that dispute they closed my account for no reasoning around XX/XX/XXXX. XXXX states they suspended my account {$860.00} and require immediate funds replacement due to charge back. And my social security deposit {$940.00} the agent states it was processed in that chime account. Total of {$1800.00}. Chime has been provided copy after copy of social security card front back and selfie holding my id, but avoid any further replies. This is wrong. There was no reason to close account first but where's my money
Consumer complaint received 2021-11-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (RI)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (SC)

I closed on a refinanced mortgage with Loan Depot where the cash to close was not correct due to the amount owed on my existing loan didn't match what they had on their paperwork. This mismatch was due to the fact that I made a payment on my existing loan in between the time the paperwork was created. When I brought this up I was told that I would be refunded any differences between what my closing costs where and what I actually owed on the house. After the closing the closing costs + what I owed on the house + what I was refunded - what I was owed on the house do not match up. From my calculations I am still owed approximately {$940.00}. I have reached out several times to Loan Depot and they refuse to talk to me.
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Avid Acceptance, LLC (OH)

I have had nothing but issues with Avid acceptance dealing with their customer service and how their staff treats the consumer. My account manager at Avid acceptance has been unprofessional, rude, plain out terrible. My car note payment is due on the XXXX of each month, And because of how my income I have coming in, I have been up to 10 days late for the last few months however based in my contract I was told that there's a 10-day grace. Before a late fee occurs recently for my payment that was due XX/XX/XXXX I was late about 5 to 6 days before I received a email from the account manager with Avid acceptance who I advised a supervisor that I dont want contacting me at all. I have spoken on multiple occasions with representatives there in their office asking for this account manager not to contact me do to her unprofessionalism that she has shown on multiple calls we've had the last communication with her happened in XX/XX/XXXX where I had some vandalism to my car and I requested for a deferment for that month in order to have the repairs done and not fall behind on my car note at that time.When I called Avid Acceptance she started yelling at me and hung up on me that day, I spoke with supervisor but was told the deferment was approved, however in the email I recently received XX/XX/XXXX again because I was past due on my XX/XX/XXXX payment I was threatened with having a post deferment review which I don't even know the definition of that but it seems as if their office wants to back out my deferment for my XX/XX/XXXX payment when it was approved prior to this situation. I was only 6 days past due for my XX/XX/XXXX payment and to send me an email about my deferment from XX/XX/XXXX will be under review, I find this is deceptive practice and I've asked for a manager to call me and I still have not received the call to this day, I dont think anyone should receive emails with this type of request period, especially when you are 6 days past the due date when in your contract you were given a 10 day grace period before a late fee, this company is absolutely the worst and i will continue to make complaints against them when something that seems deceptive and unfair happens. I was also told that a manager approved this email prior to sending it out. Also my account has been paid current as of XX/XX/XXXX
Consumer complaint received 2021-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Citibank XXXX XXXX Branch on XXXX and XXXX XXXX Ive been with Citibank for over 16 years always kept a high amount in the checking and savings {$10000.00} in each account This is been an ongoing problem this time its gone too far A fraud alert was put on my account back in XX/XX/XXXX it was lifted off of my checking account but not my savings account its still under fraud alert I cant get into my saving account to transfer to my checking I do this when my funds in checking get low especially when I have a big project that Im working on which is a part of my job Its now XX/XX/XXXX why is my savings account still held XXXX for that fraud alert from XX/XX/XXXX? 
How could they clear one account my checking and not the other my savings? 


Ive gone to the branch and they couldnt do anything they tried calling on the phone couldnt and get anywhere I have been calling as well before and after I went into the branch I finally got a hold of the Fraud department however its the wrong one from what Im told The fraud department Ive been in contact with can not do anything theres a special entity thats holding my account XXXX who what why and where who knows? 
No one can lift this fraud alert from my saving account but one entity within the fraud department By the time I go tru The verification process with each person new person I speak with and when They finally get me to that special entity within the fraud department its CLOSED Its been closed for 4 days in a row then I am told wait and contact them another day when they OPEN So now Im stranded as a XXXX until that special entity within the fraud department opens on Monday What kind of banking system is this? 
No can make this fiasco of a mess up I have to leave and move out of town for my current project on Monday but now I cant due to Me having to stay and have Citibank lift the fraud alert from my savings having to do this is costing me more money that I can not afford an Unnecessarily hardship Which is depleting my account in checking I had to borrow money from my parents for the first time ever in my life ever to put enough money into my checking to cover my living expenses until Citibank fix The problem they created 6months ago The fraud department can not lift the fraud themselves they have to go to another special entity within their own department who, what, why and where is such an special entity Who knows? 


This is very concerning to me how is it possible that they leave the customers hanging like this How is it that I do not have access to my own account and I have to wait how many days now How is this OK? Let alone right This is a new Low for this banking system
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I went to XXXX  XXXX  to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. 
The companies and banks are : XXXX XXXX  XXXX XXXX Discover bank 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  Some companies that has multiple accounts opened. 
I attached photos of the banks and amount owed down below.
Consumer complaint received 2020-07-16
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-16
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I was suspended from employment, I did request from XXXX XXXX a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to Equifax a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.
Consumer complaint received 2020-07-16
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. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!
Consumer complaint received 2020-07-16
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. (AZ)

I have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.
Consumer complaint received 2018-04-13
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: On-Site Manager, Inc. (CA)

I recently applied to an apartment complex and they used a company called On-site run my credit report. To my surprise i was denied due to incorrect information on my file. After further investigation with XXXX, they stated that my report was never ran and that On-site has mixed my file up with another persons file. On-site Claims the information is from XXXX, XXXX States that none of the information provided to me by Onsite is on my credit report. On-site refuses to remove that item or investigate that item and that they tell me that i have to go to the court house to get some document about another person who is not me to have state that on the court letter head or docs. That's impossible for me to get something that doesn't belong to me. I have been fighting with their so called supervisor and he tells me their nothing he can do and that item will remain on my file. I told him that the burden of proof doesn't fall on me and as a credit reporting agency they have to validate the debt by verifying my social security number, date of birth and drivers license number. None of which is on that judgement they claim to have on me. Another thing is the rep kept asking me if my social ended in XXXX and i told them a hundred times, that is not mine. They have corrupted my file and are mixing my report up with another individual.
Consumer complaint received 2021-11-28
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. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ATOMIC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX