davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I made a large purchase on XX/XX/XXXX for {$8900.00} using my XXXX  XXXX credit card at XXXX XXXX. I have already paid the amount when the statement was generated. On XX/XX/XXXX, I cancelled the order. The merchant issued a credit immediately and on XXXX XXXX, it was showing as a pending transaction on the JPM site. However, the money hasn't been credited to my account yet. I called JPM today and was told that because it is a large amount, it is taking time. The problem is it is causing problem for me also, especially in the holiday season.
Consumer complaint received 2022-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Lender advised us to do a spousal consolidation loan. We do not qualify for any type of forgiveness due to the spousal consolidation. We both work in XXXX and are unable to qualify for the XXXX  forgiveness as well.
Consumer complaint received 2022-08-28
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: Westlake Services, LLC (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank sent me a text message on Tuesday XXXX XXXX alerting Fraud suspicious activity, the text message asked did you attempt {$620.00} at XXXX with card xxx? Reply Yes or No. I replied NO and I got a reply the card was locked and to call the number and open a case, case # XXXX The bank debit/credit card was stolen from my wallet on Tuesday XX/XX/2022 and XXXX transactions were made on Tuesday XX/XX/2022 at XXXX XXXX XXXX XXXX PA one transaction for {$790.00} and the same store again for {$800.00}. I do not live in PA I live in NJ. I never make purchases this large. 
I filed a dispute with my bank that my card was stolen and these were fraudulent charges. The bank investigated and said they believe its not Fraud and will not return my {$1500.00}. 
I have filed a police report with the state of NJ about the stolen credit cards and my bank will still not give me my money back.
Consumer complaint received 2019-09-10
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. (PA)

XXXX and Equifax employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX and XXXX and report they are delinquent with me for millions as well as Equifax and XXXX. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2022-09-22
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)

This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : Inquiries 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 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

Quicken Loan ( Rocket Mortgage ) cornered me, creating monopoly during pandemic. 

My existing mortgage loan is with Quicken Loans. I started the process of refinance in XXXX 2020, with a different lender who offered a much lower rate, no closing costs, no points to buy. In XXXX 2020, when we were about to close the loan and had the final payoff requested from Quicken loans, a Loan Manager named XXXX XXXX contacted me saying he would offer me better package ( lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs ). He said also it would be a quick process since I am an existing customer and asked me for only SSN to get started and provide confirm the offer in minutes. I told him that I am about to close with a different lender and do not want to run my credit. He insisted that his offer was far better and that running credit would not impact anything. I agreed to run credit, received confirmation of the offer and promise he made of lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs. 
The refinance process with Quicken loans started and meanwhile the other lender rescinded the offer due to delay in closing. Quicken loans kept delaying the process with no communication for weeks, while I was still paying high interest loan down to Quicken Loans. 2 months later they told me they would need an appraisal and that the price of appraisal would be added to my loan. When I tried to discuss with that saying XXXX had offered me this package with no appraisal, they threatened to close my application. I was forced to comply and went ahead with appraisal. Now almost 2.5 months later, when Quicken loans is the only lender offering me loan, since the other lender had closed my application long time ago, quicken loans has added PMI to the loan, reduced lender credits and provided 3 different and confusing loan closing disclosures and/or disclosures, with same loan amount but different credits and cost amounts and difference in amounts that I will be receiving at closing. The director XXXX XXXX called me and accepted that it was their fault to offer such a package that they could never honor. I feel cornered and victimized by Quicken Loans.
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.
Consumer complaint received 2019-01-15
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. (MS)

Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have had a card with Citi bank since XXXX, On XX/XX/XXXX, I accepted an offer from Citi to make a balance transfer with a monthly rate of 0.00 % until XX/XX/XXXX, the charge for the balance transfer corresponded to 5 % of the total amount of the transfer, On XX/XX/XXXX, I transferred an amount of {$2000.00} us and paid {$100.00} dollars fees for that transaction, On XX/XX/XXXX, it had a total balance of XXXX distributed as follows : XXXX XXXX 24.74 % ( V ) {$1700.00} ( D ) XXXX 4 0.00 % {$1900.00} ( D ) {$0.00} ( Balance Transfer Rate Expires XX/XX/XXXX ) On XX/XX/XXXX, I contacted the Citi Bank customer service line and asked if I were making a payment of {$2000.00}, that payment would be applied to standard purchases or to the balance transfer, the bank employee informed me that it would be paid to the capital with higher interest. 
For the corresponding period of the month of XXXX, between XX/XX/XXXX and XX/XX/XXXX, the minimum payment for the credit card was {$62.00}, however, I made the following payments : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$100.00} XX/XX/XXXX ELECTRONIC PAYMENT-THANK YOU- {$2100.00} With surprise, I observed in the statement for the month of XX/XX/XXXX that my extraordinary payment was applied proportionally to both standard purchases and the balance transfer, as can be seen below XXXX  XXXX 25.49 % ( V ) {$890.00} ( D ) {$19.00} XXXX 4 0.00 % {$1100.00} ( D ) {$0.00} On XX/XX/XXXX, I contacted the client service of Citi Bank XXXX after explaining the situation to two of the employees, they left me waiting on the phone and hung up on me, it took about an hour and a half on the phone, but finally, I contacted the employee, it was XXXX XXXX, the employee gives me false information, first, he told me that the payment was paid to the next installments and then he said that it was applied to the installment that was going to expire in XXXX. Finally, he did not give me any solution. 
In consequence, I see my rights as a financial consumer violated because the payment should have been paid to standard purchases with higher rates, because I paid a charge of {$100.00} for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied. 
In consequence, I see my rights as a financial consumer violated because the payment should have been applied to standard purchases with higher rates, because I paid a charge of XXXX dollars for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my new account for no reason. I had already transferred {$1500.00} of my money to the account. Then they locked it and then closed it without providing a reason and without giving me a way to transfer my money out before they did that.
Consumer complaint received 2022-08-28
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)

By the fair credit reporting, XXXX XXXX XXXX, with the original creditor being XXXX XXXX incorporation, and XXXX  have violated my rights. Both of these accounts are not my accounts. 

15 USC 1681 section 602 states I have the right to privacy and the right to fair and accurate credit reporting. 
15 USC 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-07-15
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)

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a XXXX  bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the XXXX  company and the collection agency but to no avail. I've always had XXXX  insurance and I've visited this XXXX  office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any XXXX  work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
Consumer complaint received 2021-07-15
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: HW Holding, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I contacted Citibank about a monthly service fee of {$25.00}. I explained to the CSR that I was aware my balance fell below {$1500.00} so I deposited the necessary funds and they refunded the fee. 

On XX/XX/XXXX I contacted Citibank about monthly fees for the second time because the necessary funds were in the account. The rep told me the account was set up for {$10000.00} balance to avoid fees ( first rep never told me this ) I explained that I was told the balance needed to be {$1500.00} by the 1st rep. He said he would change it to a basic checking account so I would avoid the fee next month being that I was able to maintain the necessary funds to avoid the fee. 
On XX/XX/XXXX I got charged a 3rd {$25.00} fee. I called Citibank again and asked why I was charged the fee again and they said nobody ever changed the account last month and they will not be able to refund the fee again. I explained that the man that I spoke to the previous month was supposed to change my account to a basic checking so the fees could be avoided. She then told me that they would pull up the phone conversations and file a complaint so that I could be refunded. So far I have not gotten my refund and I have closed my account with Citibank.
Consumer complaint received 2019-09-10
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)

XXXX, XXXX & Equifax are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. Equifax, XXXX, and XXXX have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by e-Oscar is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date 09/09/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (IA)

Refund check # XXXX was issued to me on XXXX in the amount of {$720.00} for overpayment of personal loan. I discovered this uncashed check in a folder in early XXXX XXXX on XXXX, I contact Customer Service and requested a re-issue of the check with XXXX XXXX XXXX stated she would look into it and return my call within 10 calendar days. On XXXX, I again contacted Customer Service and talked to XXXX. XXXX stated they had been unable to located the check information and would send a check in the amount of {$100.00} for the inconvenience of not locating any information for check # XXXX. I received this check and cashed it. On XXXX, I called Customer Service and explained the entire story again to XXXX who transferred me to XXXX. I explained my situation again and request re-issuance since the original check is in my possion. I offered to send her a copy of the check in hopes it would assist them in identifing the original amount due in their accounting system. XXXX stated there was nothing they could do to resolve the issue. I requested to speak to the accounting department which she refused. I also requested to speak to a supervisor to which she responded there were no supervisors on duty but she would pass on my concerns. I have not received any contact as of the writing of this complaint.
Consumer complaint received 2020-09-23
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. (FL)

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX  XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.