davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (MS)

XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
XXXX. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to XXXX and Equifax. 
XXXX. I have requested the following from Equifax and XXXX and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.
Consumer complaint received 2022-09-30
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: Denefits LLC (FL)

XXXX is killing me. I have been trying to work on my credit to purchase a home and XXXX keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CA)

Our previous mtg company sold the acct. to ServiceMac ( XXXX, GA ). Service Mac with no notification decided to put an escrow acct on the mtg. In 44 years, I have NEVER had an escrow acct. Insurance and taxes are paid in full one time annually. I spoke to them in XXXX and was told to file an escrow waiver application which I did in XXXX by US Mail, on line and by e-mail. I was told to call back after XX/XX/XXXX. Then I was told to call back in XXXX, but since it was expedited I would hear by XX/XX/XXXX. Meanwhile I have been getting letters in duplicate saying that I need to pay extra each month due to what they believe will be a " shortage '' of funds for insurance/tax payments. ( 0 monies are owed ). 
This is a case of overcollecting with a misappropriation of funds on their part. 
I have spent hours trying to resolve this error for something I do not need. Their response is to say it is " expedited '' and with their " advocacy '' group and nothing happens. 
I can not pay the correct amount on line as the wrong payment amount is hardwired in the system and does not allow me to change it. I already have paid this month 's mtg with the additional funds because the system won't allow me to do otherwise.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

The Chase Freedom Unlimited card promotes Trip Interruption Insurance and Cancellation as one of its benefits. I used my card to book flights for a trip I took over the summer and that trip was canceled. I tried using the insurance and was told that the benefit was not available to me or my card, despite that being advertised on Chase 's website. 
The trip was canceled on XX/XX/XXXX, I used the card to book my hotel and expense meals as I was under the impression according to Chase that this would be covered under what they promised. 
On XX/XX/XXXX, I submitted my claim to Card Benefit Services which handles Chase 's benefits. 
On XX/XX/XXXX, I got an email saying that my claim had been denied due to those benefits not being available to me. 

This was very misleading according to Chase 's website and the benefits package that was sent to me once I got approved for the credit card.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I happened to be arrested on XX/XX/2022. I was in holding until XX/XX/2022. While I was incarcerated my ex roommate stole my wallet that included this PayPal debit card amongst various other debit and credit cards. He also stole some of my electronics to include a phone and a laptop and my car while I was XXXX. When I got out of XXXX I noticed about a week or so later that my accounts were used while I was in XXXX I started contacting all of my creditors about what happened and they all reversed any charges that was not mine while I was XXXX besides Paypal! This dispute was opened XXXX XXXX and closed out and denied the very next day on XX/XX/XXXX. I don't even think anyone looked at my claim for unauthorized charges. Once I have learned that paypal denied my claim, I immediately contacted PayPal to say there is no way I could of made these purchases because I was physically unavailable and provided them a letter from the XXXX XXXX that shows my XXXX dates. However this was not good enough for them. PayPal 's position is that since the debit card was used and a pin was used that I must of given him permission to use my accounts. However XXXX has declared that is not a sufficient reason to deny a claim for unauthorized usage and I supplied them with XXXX 's determination, however they still denied my claim. I then filed a police report and supplied them with all of that information to no avail and never had these reconsidered again! This is utterly ridiculous as I was not available for these transactions, I did not give the person who stole the information my cards and credentials and these should be covered under XXXX and PayPal zero liability benefit for unauthorized usage of my account. Please help me try and recover from these 7 unauthorized charges to my account! Thank you.
Consumer complaint received 2022-10-25
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CO)

Robinhood has restricted my spending account, completely cutting off access to my direct deposited social security XXXX payments. This happened less than a day after my funds were direct deposited ( Friday, XX/XX/XXXX ). 

No one at Robinhood will tell me why the accounts were restricted, or how long it will take for the restrictions to be lifted. 

I have furnished them with XXXX photos of the front and back of my social security card, bank statements, selfies, and other documents. 

I am XXXX and unemployed, and have been cut off from every penny I have. Robinhood support has been abysmal, and has refused to give me any relevant information or relief.
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VW Credit, Inc (VA)

I leased a XXXX VW XXXX in XXXX of XXXX for XXXX years. I clearly communicated that my intention would be to purchase the car at the end of the lease, and I was told that I will probably change my mind. I disagreed in passing, and we moved on to complete the lease paperwork. While signing the paperwork, I was verbally offered an excess wear and tear package that would repair up to {$7500.00} dollars worth of damage for {$800.00} that would be added to the lease. I accepted the package. 

The lease reaches maturity in XX/XX/XXXX and I recently had the car inspected at the end of the lease- fully expecting to have any repairs settled via the excess wear and tear package prior to the end date of the lease. There were a few dings for which the estimated total is less than {$700.00}. I called VW to utilize the package I purchased with the lease, but was told that since my intention is to purchase the car, I can not take advantage of the package they sold me for {$800.00}. My complaint is that this package was sold to me by a salesperson who was clearly informed of my intention to purchase the car, knowing I would not be able to use it when I went to purchase the car, and without explaining that it can't be used while the car is still under lease. This feels like a clear bait and switch.
Consumer complaint received 2022-10-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

Navient is a student loan debt, collecting agency which has sent me numerous postal and digital correspondence attempting to collect a debt. I responded on, XX/XX/2022, by simply asking for this company to provide three things : validation that this debt belongs to me, verification of this debt belonging to me, and for a copy of the original contract containing my signature and the signature of a Navient authorized representative. Since then Navient notified me, XX/XX/2022, that it had started a credit fraud investigation, untruthfully stating that it's per my request, on XX/XX/2022. I never requested this. Navient has sent via postal mail dated XX/XX/2022, a documented list of loan disbursements, interest accruals, and a promissory note. Neither of the aforementioned documents validate or verify that this debt is mine nor does a promissory note equate to a contract ; note, this was my postal response to them on XX/XX/2022. The promissory note contained the printed name XXXX XXXX XXXX, but no signature from either side. If this is a legitimately, legal business, there should never be an issue with providing, verification, validation, and the contract. Paying what I owe legally is desirous, but paying without legal validity is consumer abuse. As of today, I have received another digital correspondence from Navient dated XX/XX/2022, stating they have begun another credit investigation. I did not request this either. This " company '' is using its resources to degrade my credit and threaten my livelihood.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OR)

XXXX XXXX has already attempted to close her account shared with her deceased son XXXX XXXX multiple times, she is told it is closed, and then we receive messages about insufficient funds. XXXX visited a branch in XXXX Oregon shortly after XXXX passing XX/XX/XXXX, notified the bank of XXXX passing and withdrew the funds to close the account but the account was not closed. Again XXXX went into a branch XX/XX/XXXX to close the account, was forced to pay XXXX for an NSF fee to close the account and asked to close the account. On XX/XX/XXXX we received another NSF fee.
Consumer complaint received 2022-08-03
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 ALL 3 PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL 3 OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! EQUIFAX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! XXXX, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A MOU AGREEMENT : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL 3 CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (MN)

I am having an issue of applying for the First Progressive Platinum XXXX XXXX XXXX Credit Card through Synovus Bank on XXXX XXXX and through Synovus Bank online application process. My application for the secure credit card cant be processed online on XXXX XXXX or Synovus Bank website. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2022-09-30
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items 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. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-02-23
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. (MA)

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error
Consumer complaint received 2022-12-28
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: DISCOVER BANK (MN)

Back in 2020 I signed a purchase agreement for new appliances, and services to have all these appliances set up in my home. However they said a week after I signed an agreement that the appliances would not be connected because of covid. So I was not ok with that ; as I signed an agreement to have all services installed and working in my home. So I cancelled all appliances and services with XXXX XXXX, and they totally agree with this, and I do have a voice recording of this. However ; discover will not remove the charges, and they are harassing 's me ; and they keep on adding more charges to my account, I am so tired of these games Discover is playing, and want this issue resolved. I closed my account with discover back in 2020, and cut up my card, decided that I am done with discover as well as XXXX XXXX. I want this taken care of so I can move on.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MO)

XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX  points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (AR)

On XX/XX/XXXX, I agreed for a solar company, XXXX XXXX XXXX XXXX XXXX, to install solar panels on my roof. XXXX put me in touch with Mosaic for the financing of the project in the amount of {$42000.00}. It took me until XX/XX/XXXX to finally get all of the panels installed. My electric provider ( XXXX ) notified me on XX/XX/XXXX that XXXX had not responded back to their requests for the interconnection. So I called XXXX on XX/XX/XXXX to inquire about this. They sent a person out to my house the next day to acquire some information which they said would be submitted to XXXX. Two weeks went by and XXXX contacted me again saying they had not heard anything. So I started trying to call every XXXX  phone number that I had and got no answers or callbacks. This was on XX/XX/XXXX. The next day I called XXXX and asked them what I needed to do to allow a connection to be made. They gave me a list of 3 things that needed to be submitted. So I gathered that information and emailed it to XXXX. On XX/XX/XXXX, a XXXX meter technician came to my house and installed a new electric meter which would measure power coming in from the solar panels. We threw the breaker switch for the panels and, unfortunately, nothing happened. In speaking with others about this company, they all have had the same experience. Panels installed that are not operational! I called another solar company and they were nice enough to advise me to cancel my loan financing agreement. I have had two payments already withdrawn from my account. So, I contacted Mosaic on XX/XX/XXXX and filed a complaint with them asking them to cancel our agreement. They sent me an email and said they would contact XXXX to get them to come to my house and finish the project. They also supplied a phone number for XXXX to me. I called the number for a solid week and never received an answer. I left messages but never have received any callbacks. I called Mosaic again on XX/XX/XXXX to check on the status and they said they were still awaiting a response from XXXX. I called Mosaic again today ( XX/XX/XXXX ) and they said they were still awaiting a response. I told them they would never get a response because this whole thing was a scam and I wanted this loan canceled.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

JEFFCAPSYS at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.