davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX XXXX separate transactions came out of my Chime bank account in the amounts of {$310.00}, {$100.00}, and {$100.00} from a merchant by the name of XXXX and I did not authorize these transactions nor do I know how you all could have processed them. I have no open rental or any pending charges on my XXXX account. I immediately called XXXX about my concerns and they confirmed that those transactions were not on my account and were not attached and instructed me to contact my bank for the dispute. I called my bank and alerted them of these fraudulent and unauthorized transactions and at the time ( XX/XX/XXXX ) the three transactions were in " pending '' status so they claim they could not do anything regarding a refund but they stated that XXXX did cancel the transactions and they should cancel within 7 business days and the funds should return to my account. On XX/XX/XXXX I checked my Chime account and I saw all three transactions were settled. I called Chime support and spoke with the dispute department and a dispute was filed on my behalf over the phone by a representative. I was given a claim number ( XXXX ) and was I told that I was eligible for a provisional credit and that I should receive a confirmation email with all of this information. Credit never arrived ( of course ) and I got a decision for my dispute less than XXXX hrs from filing it and the decision was DENIED. There are several things wrong with that decision as XXXX and Chime agreed that the transactions were indeed fraud but I had to wait until they stop pending to file a dispute if they weren't canceled off but as I stated above they didn't cancel off as they said they would and they settled so that is why I went the dispute route and got it denied. I immediately called Chime to get to the bottom as to why it was denied and they offered to file a rebuttal but I am not hopeful that they even called the merchant to discuss anything or I would have my money back.
Consumer complaint received 2022-05-16
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. (MD)

The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

As I wrote in the complaint XXXX, I was told the money would be refunded by TODAY XX/XX/ Friday, it's not been in my bank account. 
It's totally a lie and can be recognized as a fraud made by the bank. 
Give me the money back immediately. That's what I really need for my everyday life!!
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I consolidated my loans in XX/XX/XXXX. I had made payments of {$320.00} per month from XX/XX/XXXXto XX/XX/XXXXwhich totaled approximately {$46000.00}. My original loan was {$40000.00}. In XX/XX/XXXXI called Navient and asked why my principle had not been paid down after 12 years. They were not able to provide me with information that made sense. I was frustrated and told them that I wanted to change service providers. They told me I would have to consolidate again in order to change service providers. I had just lost my job and was feeling overwhelmed. I consolidated again, losing {$46000.00} paid in interest. Then I received a letter stating that after my consolidation Navient was again assigned as my loan servicer. I called and asked how that could be legal and the representative laughed and said, " Well, it is ''. I have continued to make payments of {$320.00} a month from XX/XX/XXXXto present. I have only paid down {$1200.00} of my principle and owe the same amount that I borrowed after paying Navient over {$80000.00}. I asked for a printout of my payments. They monthly payments go to interest, capitalized interest and " Administrative Forebearance ''. Basically each monthly payment disappears into a void. 

Was it legal for Navient to tell me to consolidate in order to change service providers and then assign my loan back to itself, basically stealing all of the interest, capitalized interest and other fees that my payments were applied to?
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TN)

On XXXX XXXX  I applied & was approved for a {$10000.00} credit card with Discovery. I was sent out a card, and activated it. I tried using it & the card Declined. When I called to see what the issue could be I was told I never replied to an email where I had to get a letter notarized. I explained to the company I never received an email for notary. They explained the account was closed & advised me to reapply to fix the issue. I was sent to an agent who took my information again, only to deny me stating I had too many Discover accounts placing a second hard inquiry on my credit. I am unable to use the credit card & now facing 2 hard inquiries at no default of my own.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, charges on my bank account were made to XXXX XXXX  for {$500.00}, {$870.00}, and {$3000.00}. However, I do not even have an account made with this merchant, nor have I heard of them before. I called my bank, JP Morgan Chase, about the charges, and were able to reverse the first two charges back to me, but now my {$3000.00}, which the reversal money was a part of, is being denied as the bank states I have an account that makes monthly payments to, which again, can not be possible as I had no prior business with this merchant. I have an XXXX address that may lead to who or where the transfers are coming from, and after looking up where it is, it is in a completely different country than my residence. I need that {$3000.00} fully refunded back to me as I have payment that need to be made, and that one charge has completely depleted my account to less than {$100.00}.
Consumer complaint received 2019-07-29
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. (CA)

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-07-29
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. (CO)

I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, XXXX is contractually bound to report payments to the two major credit agency 's, XXXX  and Equifax. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with XXXX   but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the  American XXXX so I can begin litigation if these credit issues are not resolved. I believe XXXX is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.
Consumer complaint received 2022-08-14
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

I purchase a XXXX airfare ticket to Virginia through Affirm and had three payment to each month. I paid off the three payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The Affirm app on my phone gives me nothing to work with.
Consumer complaint received 2019-07-28
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. (SC)

Equifax is still reporting fradugelent informat well over 60 days after I disputed and proved that the following accounts did not belong to me for XXXX & 5 accounts for XXXX XXXX. I received notification that the accounts for XXXX were being deleted but they were only marked as closed which is incorrect & I proved that with a police report, identity theft report, Picture ID & Social security card that none of those accounts are mine. I am asking again to please Permanetly delete these fraud accounts for XXXX XXXX XXXX XXXX {$85.00}, which is also listed on my report as XXXX   {$85.00}.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on Equifax 3 . Report different dates of the last payment on each bureau. 
4. payment history differs on all three.

Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank placed a false purchase on my credit account in order to offset an error they made. Specifically, I sent a payment in to Synchrony in the amount of {$1200.00} to pay off one account I had with them. They mistakenly applied it to a different account ( the account ending in XXXX, which is the subject account of this complaint ). When I informed them of this they agreed to remove the payment from the mistaken account and apply it to the correct account. n order to do so, for some unknown reason, Synchrony applied a false purchase to the mistaken account in the amount of {$1200.00} in order to remove the mistaken payment. They did then apply the payment to the correct account. What then happened was that the " purchase '' resulted in a temporary increase in my balance, which, in turn, resulted in a higher monthly minimum payment in the amount of {$190.00}, instead of the usual {$150.00} payment. When I spoke with Synchrony, they stated they would fix this problem, and that I would only be responsible for the correct minimum monthly payment of {$150.00}. I even received an email from Synchrony stating this. However, when I received this month 's bill, that bill stated that due to my having paid only {$150.00} of the {$190.00} minimum due, my account was considered to be {$35.00} overdue and that that amount of the payment was considered late. When I spoke to them again, they said the would agree to remove the late fee, but that I would still be responsible for a higher monthly payment of {$200.00}. They also claim they will fix this, but I have no documentation from them of this matter. I have wasted nearly 2 hours on the phone with Synchrony 's offshore customer service folks. Here is a summary of their errors that I consider to be a significant problem : 1 ) applied a false charge to my account without my knowledge or authorization. 2 ) stated they had adjusted my monthly minimum payment back to {$150.00}, which was not true, as the following month 's statement contained a higher minimum payment as well as a late fee ( I have not received any assurance that this matter has been corrected ).
Consumer complaint received 2022-04-23
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. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts below has voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 
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 XXXXXXXX, XXXX 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 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

1. On or around XX/XX/2019, I visited the US Bank website to request a quote for opening a new card with a balance transfer. 
2. After submitting my information for the quote, I was presented an offer that did not meet my needs and I declined by closing out of my web browser after the offer was presented. I did not accept the offer or indicate my acceptance. 
3. On XX/XX/XXXX, I received an email from US Bank welcoming me as a new credit card customer, along with the last 4 digits of a new card assigned to me. 
4. On XX/XX/XXXX, I received a new US Bank credit card in the US Mail, along with the standard new customer information. 

My concern is that I did not authorize this new card or accept the offer provided. US Bank should have never opened it in my name without my explicit consent and I did not authorize the hit against my credit report to open this line of credit. I want this corrected immediately.
Consumer complaint received 2019-07-28
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. (NV)

I recently filed a complaint with the XXXX and Nevada State Attorney General and soon with California XXXX XXXX XXXX for a audit to pull the funding packet for the XXXX XXXX XXXX  that was financed by XXXX XXXX XXXX. But the income reported by the dealership XXXX XXXX was falsified. They changed my income without my knowledge. And I have asked for the information given to the financed company. Surely this dealership couldnt have given XXXX XXXX any documents that show my income was XXXX because it is not. I sent XXXX XXXX proof of my income, bank statement, and letter of award from SSA. And I still havent received any correspondence from XXXX as per my request to provide me with the proof of income provided from the dealership. As far as the dealership, they know they falsified documents to get me financed. I sent XXXX XXXX a certified letter requesting proof of income. They sent over a typed credit application stating I signed it. However, I filled out my application with a pen. They sent me a typed application. Which they had to do another application to submit to the financed company with the fraudulent income they reported. Why would I report i earn more and cant prove it. I need my funding packet from XXXX XXXX XXXX showing proof of income.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the credit reporting act XXXX XXXX  # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

I have sold my home and noticed that my fha loans ( {$10000.00} and {$8300.00} ) and loan modification payoff to hud ( {$59000.00} ) were all going to be paid. My loan modification through loancare llc or XXXX was to include both of the fha loans as well as my missed mortgage payments. I called loancare on XX/XX/2022 at XXXX ( XXXX minutes ) to confirm the modification included the fha loans. The person with loancare did confirm and told me to call fha to figure out why it was still showing. 

I called calfha and they told me loancare made a mistake because those loans are not to be included into any modification. 

I called loancare again XX/XX/2022 at XXXX ( XXXX hour XXXX minutes ) and told them what I had learned. The first girl told me she didnt understand because thats what they were supposed to do for these modifications after Covid. I asked her for a breakdown of what the loan modification amount was for and they refused to send me one by mail or email. I asked to speak with a manager ( XXXX # XXXX ) who also told me no after a long hold time. She said she would give me a verbal breakdown and is as follows {$13000.00} delinquent - something I couldnt hear {$9900.00} taxes and escrow {$35000.00} outstanding principal My mortgage payment before the forbearance was {$1800.00} which broken down is as follows {$390.00} to principal {$940.00} to interest {$570.00} to escrow Principal times twelve months equals {$4700.00} so I dont understand where they got the outstanding principal figure they verbally gave me.

But if I multiply my mortgage payment times 12 ( the time I spent on forbearance ) it comes to {$22000.00}. 

My original loan was for {$270000.00} and I owe {$230000.00}. If I add the {$59000.00} to what I owe it comes to {$290000.00} and if I also add both of the fha loans to that it is {$310000.00}. These numbers dont make sense. Someone there made a mistake and it needs to be fixed. 

Escrow funded yesterday and that means they will receive all amounts. Can you please step in and see that loancare llc or XXXX does the right thing and sends me back the money they dont have a right to? I hope I explained the situation well enough. Thank you.