davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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)

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 719XXXX  has me at a score around 590. 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-28
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (MI)

My name is XXXX XXXX I have tried for several months to obtain information on reverse mortgage that I obtained in XXXX to date I have not received a monthly payment amount due, or a balance. Upon inquiry online I have my loan numbers and account number and no documentation, is produced, I ve read where several lenders who have purchased loan but no information to be located., on the alleged loan I have loan number XXXX XXXX  Account
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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. 

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer. 

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (TX)

On I called XXXX FISERV regarding a duplicate payment ( 2 ) of {$90.00} reflecting on my XXXX XXXX XXXX  XXXX  ACCOUNT. The agent I spoke to stated they notify the XXXX Banking Dept. however I receive an email. On XX/XX/XXXX, I received an email stated the following : Fiserv, the service provider for Bill Pay with XXXX XXXX XXXX, processes the payments that you make through Bill Pay. At your request, Fiserv processed the payment to XXXX  XXXX XXXX  on XX/XX/2022 for {$90.00}. However, after sending money to XXXX XXXX XXXX, Fiserv could not withdraw the funds from your payment account. Fiserv 's second attempt to withdraw the funds was also unsuccessful. As a result, the money Fiserv sent to XXXX XXXX  XXXX  on your behalf was returned to Fiserv. 

Their error has caused my XXXX account to be closed because they provided incorrect and fabricated information to me. 
There have been several instances where XXXX and FISERV provided incorrect information causing negative affects on accounts and/or fees especially how transactions are processed.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (LA)

Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with Capio Partners .

I have never had any contact or done any business with Capio Partners.
Consumer complaint received 2022-08-24
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. (GA)

on XX/XX/2022 I contacted XXXX that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (GA)

The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

Care Credit ( Synchrony Bank aka PayPal ) XXXX XXXX ( Personal Cards showing on Credit Report )
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I'm writing as an employee of a XXXX XXXX XXXX company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a USPS mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to XXXX XXXX and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by XXXX XXXX and XXXX XXXX XXXX, summing up to {$170000.00}. 

Our bank, JP Morgan Chase, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department Commercial Crimes Section ( XXXX ) Criminal Report # XXXX. 

The employees of our bank JP Morgan have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with XXXX XXXX XXXX XXXX  business, has hurt longstanding relationships with our suppliers, and now our very own bank JP Morgan this week is threatening to downgrade our credit worthiness. 

The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. 

We received letters from Chase dated XX/XX/XXXX stating that XXXX XXXX and XXXX XXXX XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from Chase dated XX/XX/XXXX stating that they have not yet received a response from XXXX XXXX and XXXX  XXXX XXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. The service we have received from Chase has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX sold my card to Barclays and upon the transfer I was locked out of my card and account ( since XX/XX/2022 ). Despite working with Barclays and being assured I would not have late fees or interest accruing during the time I was unable to access the account, Barclays has continued to charge excessive interest and late fee charges, in addition to falsely reporting delinquency on my credit reports.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I have two unauthorized charges that were charged to my account i did filed police report and did submitted many times every single XXXX time each representative says they didn't get where fax report confirmation it was delivered I have faxed 12 times. 
There were two charges in the amount of {$870.00}, {$870.00} in XXXX one in XXXXXXXX one in XXXX. I need justice in regards to it. Account number : XXXX
Consumer complaint received 2022-12-28
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

As part of the XXXX administration student loan debt relief program, borrowers are entitled to a refund of payments made during the COVID forbearence period. Borrowers were entitled to ask for a specified dollar refund amount or 100 % of their payments. 

During the COVID Pandemic I continued to pay for student debt to a total of {$19000.00}. On XX/XX/22 I requested my student loan servicer Nelnet to process a refund of only {$6000.00} in order to maximize XXXX 's {$10000.00} student debt relief plan. 

Nelnet by accident refunded the total of {$19000.00} by mistake and added that debt back to my remaining balance of {$4000.00} to equal {$23000.00}. This error exposes to me a higher principal and therefore higher interest if I do not receive the refunds by repayment period. 

On XX/XX/22, I discovered this error and requested Nelnet to back out their error, but they stated that although it was their mistake they couldn't back out the error. I asked for documentation of my past payments and accounting to document the error and they refused to provide me any documentation related to my financial information. I explained that due to their error, I now am exposed to higher payments and interest and that this is against the law and unfair lending practices. I also asked for documentation and tracking of where my incorrect refund of {$19000.00} vs {$6000.00} is and they stated they do not know. 

Being that Nelnet is one of the nation 's largest student loan servicers, all of their lenders were exposed to this internal glitch they recognized, but not willing to fix. This is unfair lending and needs to be addressed.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. Chase bank is one of nine creditors that I have personally committed to repaying. Chase bank and another creditor are the last two credit cards left. Chase Bank received payments before I was served a summons by XXXX XXXX XXXX. I was surprised to receive a lawsuit in the mail. 

I rendered payments to Chase bank to satisfy my debt. In the midst of a series of payments to Chase Bank. XXXX XXXX XXXX, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX XXXX XXXX XXXX acknowledged that I sent payments for the debt. I mailed a letter to XXXX XXXX XXXX dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to XXXX XXXX XXXX- a debt collector, Chase Bank mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, XXXX XXXX XXXX, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed XXXX XXXX XXXX, a debt collector, of the misrepresented amount. Each time XXXX XXXX XXXX, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe Chase bank and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If XXXX XXXX XXXX, a debt collector, is representing Chase Bank, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of XXXX XXXX XXXX, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX