davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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. (WA)

I want to point out every complaint I have done with Equifax they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Equifax can not prove that it did.
Consumer complaint received 2021-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2012 I entered The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX to open an account for my business XXXX XXXX XXXX and was denied for the Bank inability to verify my Social Security Number. The manager was dumbfounded. as to why the bank would not allow that to happen it was a block from higher level. It appeared to be fraudulent and baseless.
Consumer complaint received 2022-01-06
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. (MD)

XXXX XXXX has just destroyed every credit report ( XXXX equifax, XXXX ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL ()

Ive bought 3 painting from park west gallery XX/XX/XXXX XXXX.they finance it on MySynchrony park west card. At the moment the garantee that no interest or fee will be charge. Back to XXXX, i tried to make the XXXX $ tranfert to clear the card. The wont recognise my bank info so i cant transert the money, ive try 4 time ( with the XXXX banking code given by my bank ) between the XXXX and XXXX of XXXX. In XXXX i send a check of XXXX $ can by mail they refuse it ( banking info error ) i send one printed by the bank in XX/XX/XXXX same amout, they refuse it for the same reason. I offer them to pay with a credit card master or visa, they refuse. Now they are chargin me over XXXX $ and counting in late fees ... 

I dont know howto resolve this cul de sac but i need help Thank you
Consumer complaint received 2021-01-27
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: BARCLAYS BANK DELAWARE (MA)

Barclays Bank Delaware is reporting an account under my name that is derogatory on my credit file. I have sent numerous certified mailings to show ID theft ( FTC fraud report, police report ) and they have yet to remove the account. I have asked several times for them to provide me with my signature showing that it is mine- they can't do that because it's not mine, yet they will not remove it from my credit file.
Consumer complaint received 2018-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have been paying for more than a decade this loan on time. I send extra money monthly so I can finish paying early. However, even though I have been sending extra money for almost 5 years the balance never goes down. I have about {$3500.00} left and they are saying that I still have 4 more years @ XXXX XXXX   monthly, yet I send them XXXX XXXX monthly. That's would be more than double of what I owe them.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (LA)

I have been checking my credit report for months now trying to refinance my house. 
Everything was okay with my XXXX Credit Report but when my bank pulled my XXXX Credit Report they found a credit card with CITI XXXX XXXX XXXX. 
This card was opened in XX/XX/XXXX by a man I lived with for 4 months and put me down as an authorized user on this card without my knowledge. I consider this fraud because I never gave him permission to put me on the card. I want my name removed from this Citi Card and taken off my Credit Report. If I have to file charges then I will do so. I have been working on my credit report for over a year now and this happens. Help me get this off my credit report. I don't understand how someone can just call up and get a person on a credit card without their permission. I called the Citi Credit Card Company and they are telling me that he has to call and take me off the account. What are you kidding me!!! 
He has filed bankruptcy on this card and it is closed. This does not make any sense.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (TX)

On the date of XX/XX/2019 at XXXX XXXX at PLS Check Check Cashers located at XXXX XXXX XXXX. XXXX TX XXXX XXXX purchased a {$110.00} money order receipt # XXXX, a postage stamp, and an envelope for the price of {$110.00}. I paid CSR XXXX the cashier with two {$100.00} bills. I was given {$02.00} change which was handed to her from a cashier to her right and when I asked where my other {$80.00} change she stated that I had only given her {$120.00} and I protested that claim and was told that they would count the cashier drawer to her left and it was an even balance and the the cash drawer in front of me and the cashier at the window where I was waited on was never counted. They then phoned the District Manager to view the camera of the transaction and there was no answer. The District Manager supposedly returned the call and viewed the camera and stated that I paid {$120.00}. I am a XXXX year old XXXX XXXX and live on a fixed monthly income of SSDI check. I however am aware of how much money use to pay for any service as I have full control of my faculties. I believe I was taken advantage of and deserve fair treatment. I have no problem with my information being used.
Consumer complaint received 2022-10-04
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: CITIBANK, N.A. (NC)

In XX/XX/2022 my lawyer sent a chek for me to send to Sear Citibank for payment. Sent the check XX/XX/2022 called Sears citibank in XXXX to see why the funds had not been applied to my account. I was told there was never a check sent, then the check could not be located. Called again in XX/XX/2022 to have an investigation opened sent check info requested never heard from the bank. In XXXX I called the bank said just let the check expire and have it reissued. 
It is now XXXX 2022 called Sears Citibank to inquire I was first denied access to fraud department by XXXX XXXX customer service agent then she let me wait on hold for about XXXX mins then said I can't hear u and hung up. Called fraud department and after being told they could not find a check after giving them the check # she said she was calling her supervisor who said they could not locate a check and my case was close.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WA)

Online deposit system processed several checks and correctly rejected checks for deposit that had already been deposited, however system failed to recognize two checks already deposited, and were later corrected by the system and reversed. The bank has arbitrarily charged {$12.00} per error their system caused for a total of {$24.00}. Chase bank personnel and management have refused to acknowledge their system error and refund the {$24.00} charges.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo contacted me about 2 accounts in my name which were closed by them. I do not have accounts with Wells Fargo and believe these accounts to be fraudulent. I was made known of these accounts XX/XX/21. I attempted to call Wells Fargo to inquire however was bounced between customer service and fraud multiple times without assistance and hung up on multiple times. When finally getting somebody willing to help, they were unable to verify any information as I did not have enough information to correspond to these accounts, in addition to my name, address and social security number. 

Given Wells Fargo has a reputation recently for starting fraudulent accounts, I am concerned this may not be resolved in its entirety.
Consumer complaint received 2020-11-30
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. (NC)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-03-26
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MI)

On XX/XX/2021 I applied for a credit card after receiving preapproval. I was denied even though my debt to income ratio is around 18 %. When I called I spoke with XXXX she advised me that they based my application on false info. They stated my credit report shows two mortgage payments, one for {$440.00} and another for {$660.00}. That is false, my credit report only shows one mortgage payment. She also stated my credit report shows a monthly payment of {$5000.00} to XXXX. That was another false statement. That account she claims was used as my debt has been paid off for years. XXXX claimed she would have everything reviewed and she would reach out to me in a few days. Never heard from her. Called Discover today and received the run around. It is a violation of the Fair Credit Act, to use false credit info. Discover was made aware on XX/XX/2021 and XX/XX/2021 that the info they used to deny my application was not accurate. XXXX has provided me with a credit report and it is accurate. They also told me they did not provide Discover with the inaccurate credit report they used. Discover has a duty to obtain and use accurate information when reviewing application, especially when they have been informed what they have used is not accurate. Discover 's failure has caused me to improperly be denied and have an unnecessary inquiry. They have clearly violated the Fair Credit Reporting Act.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Upgrade, Inc. (FL)

My data was breached in XXXX and beginning of XX/XX/2021, by someone in XXXX. They got a hold of all my personal information including social security, drivers license that now is marked, checking account and savings account. They wiped my account cleaned and leaving me in negative. Plus, they took out a personal loan with Upgrade for {$7000.00}. They are aware of this situation as I reported to them immediately and gave them police records, Fraudulent identification papers. Now, they have ruin my credit and threatening me to pay them the money and trying to withdraw money from my new checking account, which I do not know how they got it. Reporting late now after several months 30 days past due. This account is not mine and now they want me to make payments. I never received money or have any loan with them. Just because my husband had a loan in the past with this company and was paid off. Doesnt mean that I have a loan with them. I call them every single day and leave messages no call backs. 
I been dealing with this issue since I found out in XXXX of 2021. We are in XXXX and no results, except for them now reporting to my credit and ruining my credit. 

Please help me out.
Consumer complaint received 2021-10-05
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)

WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN 2015. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF XXXX  HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I received a prequalification for a loan from Chase Home Lending to purchase a single family residence in Ohio. I spent many hours providing all of my personal information, tax returns and documents requested by Chase. I worked with XXXX XXXX at XXXX and XXXX XXXX at XXXX. They were constantly asking for more a more information and I provided as much as I could as fast as possible. I was looking to get a loan for {$130000.00}. I have excellent credit and funds to back up the monies needed to obtain the loan. It took over two months to get everything to underwriting. They required me to purchase an appraisal and I paid for it on my credit card. They said the loan was going to be sent to underwriting and then we could look at committing to an exact closing date. The contract closing date was XX/XX/2021. I received a phone call on XX/XX/XXXX from XXXX 's manager and he left a voice mail. I tried to return his call five times and was unable to reach him and he did not have voicemail. I finally heard back from him the following Monday. He told me they closed my loan and could not go any further with the loan. I asked him what the problem was and he said he couldn't disclose that to me. They provided me no explanation on my own loan. He said they are not allowed to tell me why my loan did not go through. I was not given any options to find out what happened and was told they would not be refunding any money I have put towards the loan. I asked him how can they ask for all of my personal information and prequalify me, require me to purchase an appraisal and then just day no with no reason. If it was my credit or XXXX  then I need to know so I can address any issues. He said he couldn't share any of that with me. XXXX was asked when was it disclosed to me that they can just decide to pull the loan with no explanation and he said they do not disclose this to the consumer which I find inexcusable. The consumer should have the right to know what is going on with their personal finances. Not only did we lose the house, I am now out the money for the inspection ( {$370.00} ) and the appraisal ( {$650.00} ) and numerous fees charged by my accountant to pull all of the tax documents the lender requested with absolutely no recourse or any information. They basically washed their hands of me because they claim to be the biggest financial institution in the world and I am just one person that has little meaning to them. I am concerned that someone can be asked to provide any and all information in good faith of the lender and then be treated like this.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

LoanCare was holder of my mortgage during Covid crisis. I was granted Forbearance in XXXX, XXXX, and extended in XXXX of XXXX Credit report showsmy payments as " Late, ' during entire Forbearance period and it is preventing me, as an XXXX XXXX from getting a reverse mortgage. I was told on XX/XX/XXXX, that I would get an email confirming I was o forbearance during that period. It has not been received. Three subsequent phone calls produced 2 results where my mortgage could NOT be found ( LoanCare transferred my mortgage to XXXX XXXX in XXXX, XXXX ) and the third Customer Service Rep told me that the email would be sent and told me it was marked, " Urgent -Rush. '' It was NEVER received ( I also checked in " XXXX '' ). My XXXX Mortgage has been held up another month waiting for this. 

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2021-11-28
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. (CA)

On XX/XX/2021 i sent a letters 30 days ago with inaccuracies on my credit report and i have yet to receive a reply back. I have done my own research and i know that they have 30 days to investigate and reply. I feel taken advantage of by the credit bureaus because they are ignoring my disputes.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-01-06
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. (MD)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.