davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Westlake Services, LLC (WA)

I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report 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 2021-06-09
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 — Problem with personal statement of dispute
Company: Revco Management, LLC (TN)

I wanted to know are you the owner of the original debt? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

PayPal froze my funds and would not allow me to withdrawal them. I was told I would be able to withdrawal them after XXXX  days. I was still not able to access them after the XXXX day. I called again and was told I could transfer them after XXXX hours, but I am still unable to access my funds. The balance is {$100.00}. I have called multiple times in an effort to resolve this. PayPal representatives will not provide the reason for freezing the funds.
Consumer complaint received 2022-07-31
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. (TX)

Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate
Consumer complaint received 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( ACCOUNT NAME : XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MT)

Applied for Payday loan ( XXXX/XXXX/2015 ). Received {$600.00} in Acct. Agreed to pay $ XXXX/month. Was debited {$350.00} XX/XX/XXXX, then a few days later, on XX/XX/XXXX, debited another {$850.00}. This was not my payment schedule or an agreement ( that I entered into, knowingly, or with ALL the facts ). This caused me to become ridiculously overdrawn, and then when speaking to them about my issues with their business practices, they offered me a {$1500.00} dollar loan ( " to help '' ), which I immediately refused. This is a huge problem, I was supposedly paid off but now they are telling me I still owe like {$520.00}!?!!!! I have paid over 3x ( closer to 4x ) the amount of the loan received, this is a disgusting case of usury. Do n't do business with these people!
Consumer complaint received 2022-08-23
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-04
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)

In a recent dispute, the results came back verified. What was your method of verification? 


1. I cant imagine what legal precedence you have that would allow you to report [ XXXX # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX acct # XXXX. I need you to send it to me.
Consumer complaint received 2018-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Financial Corp. (NY)

I have previously contracted Summit Financial and requested the information re the debt they placed on my credit report for approximately 3-4K dollars. I had a loan with XXXX and the car was brand new and was a lemon I gave them the vechicle to sell in the auction and the debit was to be free and clear. After speaking with Summit and trying to discuss the account and request documentation of the validity of the debt they refused to provide me with information and I have been requesting it for the past year. I have called and they refuse to take my calls. They turned around and changed the balance owed from 3-4K to XXXX and now its rising day after day. This is inaccurate information and not a liable debt, Please remove it.
Consumer complaint received 2022-06-09
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 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 XXXX 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I contacted Navient in the hopes of lowering my monthly payments from {$260.00} to {$130.00}. I made sure I contacted them before the loan was even due to ensure proper time was given to handle the issue. I was placed on a payment plan and my first payment was drafted from my checking account on XXXX/XXXX/2017. It was agreed that subsequent payments would be automatically deducted each month on the XXXX. I checked my Navient account a few days later and was told my account is past due and I will incur late fees. When I called back to inquire about this I was told the following : 1 ) I did n't pay the full amount despite them seeing the payment plan ; 2 ) the person who placed me on the payment plan was unauthorized to do so ; 3 ) they admitted that the program was n't explained well to me and that I would have to wait for upper management to approve my payment plan which could take three months ; 4 ) even though I would incur late fees, they would not be reimbursement even after my good faith effort of paying every month ; 5 ) I would have to make three successful and consecutive payments before the plan is approved, which was not explained at the time of setting up the payment plan ; and 6 ) my account may go into default despite paying every month BUT I should n't worry for now because I am only a few days past due. I was stunned by the miscommunication, lack of professionalism and sheer incompetence of their customer service representatives. I 'm not trying to avoid paying my loans, I simply want an option that 's more affordable. Considering that, I feel that there should be better information available customers and better care on behalf of the reps when dealing with these types of circumstances.
Consumer complaint received 2022-07-31
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)

n accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXXXXXX XXXX US EDU/ Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX Remove Immediately I have sent several request.!!
Consumer complaint received 2018-08-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (MD)

This collection Agency Mrs. Association is reporting fraudulent information on my Credit report. They are a third party trying to collect a debt that is not owned to satisfy XXXX XXXX XXXX ( XXXX ). Provide me with a copy of the Promissory Note proving who owns the loans that I Co-signed and/or any documents to support the reason why they are reporting erroneous information.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.
Consumer complaint received 2016-09-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION (TN)

An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On Friday XX/XX/XXXX I received notification from Chase that I exceeded my allowance for withdrawals from my saving account. Three are allowed, 9 were conducted and I was charged {$15.00} for such actions. I then checked my account and saw that 9 unauthorized electronic withdrawals were made and I called Chase to file a fraud claim. The withdrawals were in the amounts of {$270.00}, {$260.00}, {$250.00}, {$240.00}, {$230.00}, {$210.00}, {$200.00}, {$100.00}, and then a {$200.00} but there were not sufficient funds. Clearly they were fishing to see how much was in the account. 

I then realized on Monday, XX/XX/XXXX I received a notice from Chase that I had insufficient funds for 2 checks for my checking account and was charged for that. Since I did not write any recent or large checks I reviewed my checking and saw 2 checks for the amount of {$4800.00} written to a XXXX XXXX, which I did not write. The first check was a duplicate check number XXXX - My signature and memo were correct for the original XXXX check, which was a {$30.00} check for my XXXX XXXXXXXX XXXX  dues. The signature was correct also, but the pay to the order of and amounts were changed. I called Chase again and filed a fraud account and they said there was no fraud as no money was taken. I then went to my local branch in XXXX and tried to resolve this with XXXX XXXX who works there. 

I kept calling to check the status of the Chase claim and was told on XX/XX/XXXX that the claim was denied. I asked to speak to a supervisor and went over the facts again, they were going to do a second investigation because she noted some additional information that was not reviewed. This was after 2 other calls where a Chase representative told me it was a XXXX withdrawal, which was incorrect. The other Chase representative told me he could not reveal any details of the investigation, it would compromise how they do the investigations. This was after XXXX hours on hold and talking to other people. 

I closed all my accounts but the disputed savings account on Saturday, XX/XX/XXXX. I will never bank with Chase, after being there for XXXX years. 

Today I called Chase and they said the second investigation found no fraud. That the log in was from the devise used before, which clearly is incorrect as I did not authorize this. I am waiting for a letter explaining the details of their investigation because I do not see how this is possible that these funds, coinciding with the false checks, are not clearly fraud. Chase has not been helpful at all.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

I XXXX XXXX, Have previously disputed the account with the company by the name of Santander Consumer USA. The account reporting on my credit report from Santander does not belong to me I have reached out to dispute the account from my credit report. However, the account is still reporting on my XXXX and XXXX. It has been removed from my XXXX account. 

I would like these accounts removed from my credit report Expeditiously!
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Certegy Holdings, LLC (RI)

Attempted to utilize check-cashing service at XXXX XXXX XXXX in XXXX XXXX XXXX RI on XXXX XXXX, XXXX The attendant entered the incorrect check number, omitting a digit. As a result, Certegy Check Services Inc. falsely labeled the check as an incorrect transaction and I couldn't cash my paycheck. I contacted Certegy directly, attempted to inform them the check number on the receipt did not match the number on the paycheck itself and that this is the reason the check failed to be cashed. I provided them with all relevant information, they refused to cancel the report or even include the information I provided in their report. My complaint is against Certegy Check Services IncXXXX XXXX XXXX XXXX XXXX, FL XXXX for refusing to include relevant information in their review of my financial transaction. They are carrying out a fraud against consumers. The receipt and check number are attached.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I had a chase XXXX credit card before Chase purchased my mortgage in XXXX. There is no problem with payment of the mortgage as i was able to set up autopay, but i am concerned about making the credit card payment as i can not access. The issue is my accounts will not link online. I have called multiple times to the mortgage servicing team, the credit card team, online IT help and visited a Chase branch. The only solution i was provided was to be removed as an authorized user of the credit card. 

I
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PROSPERITY BANCSHARES, INC. (TX)

I met with XXXX at the Prosperity bank on XXXX XXXX. I've been a customer of this bank since it took over XXXX XXXX. I was with XXXX XXXX for many years. I am a XXXX  and had all of my XXXX XXXX deposits made at this bank. 

The check was from a XXXX XXXX in Minnesota. I sent all of the documentation showing it was a legitimate transaction and XXXX sent all of this information to their Legal department, including a Power of Attorney. 

XXXX told me I needed to get my son to sign the check and put his thumb print on it. My son had recently moved to XXXX. I sent the check to him overnight through XXXX XXXX with a return envelope -- which cost me almost {$500.00}. It took six weeks for the check to get to XXXX and then get returned to me. 

I met with XXXX again. He made a copy of both sides of the check. He said he was sending to his Legal department and would get back to me the next day. The next day he was not in the office. 

I dropped by the following day, waited almost a half an hour, and he came out of his office finally and told me very flippantly that legal did not approve -- after running the checks all over the place and the long wait. 

Then I tried talking to XXXX XXXX, she hung up on me because I got upset. The words she used only infuriated me and brought this situation to a point of escalation.