davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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)

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00} Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-14
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. (FL)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (CA)

XXXX XXXX sent XXXX to my XXXX account on XX/XX/XXXX. Funds cleared on XX/XX/XXXX. Funds never posted to my account. XXXX was created and sent back to my original institution XXXX on XX/XX/XXXX at XXXX. 

Issues XXXX. XXXX funds were held without notification from XX/XX/XXXX - XX/XX/XXXX XXXX. No notification was provided to me for funds being held XXXX no notification that funds were being withdrawn or refused XXXX no reason for the return or withdraw of my cleared deposited funds. 

When I contacted the XXXX bank XXXX Bank, asking about the XXXX  transition. They told me that there was a XXXX returned for " Wrong Amount '' which is impossible on a deposit. 
Because the bank returned my XXXX  without cause or notification, it will likley take months for me to receive funds. As the originating account was a XXXX account that does not accept deposits.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (SD)

I made a purchased to " XXXX XXXXXXXX '' on XXXX XXXX, XXXX  with my chase freedom card ( last four of card number XXXX ). I purchased a cabin rental called XXXX. I called into chase freedoms fraud department bc I didn't recognize 'XXXX  ' however, it was my mistake and that was in fact the cabin rental for XXXXXXXX XXXX. I called the chase freedom fraud department back stating my mistake. Chase freedom issues XXXX the funds of {$490.00} on XX/XX/2022. I have the document stating that from Chase freedom. I made a XXXX XXXX XXXX XXXX ) claim against XXXX. I was notified by XXXX on XX/XX/2022, they had issued a refund of {$490.00} to my financial institution ( JP Morgan chase freedom credit card ) on XX/XX/2022. I called and spoke with associates of JP Morgan chase freedom credit cards fraud, dispute, customer service and dispute departments on XX/XX/2022 and was told they did not receive any funds and could not assist me. Unfortunately, I resorted in the assistance of XXXX XXXX XXXX on XX/XX/2022 to help me find the funds JP Morgan Chase Freedom Credit card may have misplaced. On XX/XX/2022 I was contacted by an associate from JP Morgan Chase Freedom Credit Card that they have sent the funds to XXXX XXXX I'm not sure who has the funds but XXXX has informed me they were last to send the funds back to Chase.
Consumer complaint received 2021-09-05
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: BARCLAYS BANK DELAWARE (FL)

I have a debt with Barclaycard which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows XXXX  has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.
Consumer complaint received 2021-09-05
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 have a debt with XXXX which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows Equifax has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.
Consumer complaint received 2022-10-14
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00}.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA (AK)

On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX  to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF THE WEST (IL)

On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (MA)

Below is my previous complaint ( XXXX ) about this issue. Despite the claim by Lending Club in their resolution that a new check will be sent out to the address they have on file, to this day I still have not received the check. I do not know what happened to the check, but the address they claimed they sent it to is correct and I have been pretty carefully checking my mail for this particular item. And again after trying to go through customer service via email, they want me to call and explain my situation after thoroughly explaining it through email. Through past experiences, I know this will take hours of my personal time, which is too valuable to waste explaining something that I already have multiple times to the same company. All I want, again, is for this check to arrive so I can be done corresponding with this company for good. 


PREVIOUS COMPLAINT : " On XX/XX/XXXX, I paid off a personal loan with Lending Club. I received an email around the beginning of XXXX from Lending Club stating that after an audit of my account, I was owed a refund of {$300.00} due to overpayment on my payoff, and that the refund will come in the form of a check sent to the address they had on file, which was still my current address. Then on XX/XX/XXXX, I received another email saying : Your refund of {$300.00} will be issued to the address we have on file for you or to an updated address identified for you based on information from the US Postal Service, and you should expect to see that soon. We will move as quickly as we can to issue your refund check, but it could take several weeks after that date for you to receive your check. We do expect that your check will be sent no later than XX/XX/XXXX. As of this complaint, I have yet to receive a check. I have attempted to contact Lending Club a few times thru email, and they request that I call. After speaking with a representative on the phone, they said they would have a manager call me back. This call back never happened. After dealing with this for many hours, I feel I have to come here hoping for a resolution. ''
Consumer complaint received 2022-10-13
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)

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Consumer complaint received 2022-01-07
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Conversation was started w/Mr. Cooper and homeowners at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone calls and complaints were made to get to the reason of why we should be in bankruptcy and there is no reason we should. Mr. Cooper confirm a pass due amount of {$6500.00}, while the HELOC is {$2900.00} and additional amount due to HOA. Homeowners are compilating a dismissal of XXXX. However, Mr. Cooper has said there was no room to have this loan modified. Payments can not be lowered and the terms aren't negotiable. Given the present state of emergency around the world with COVID-19 being a factor causing the deaths of significant love ones, we can not see how this investor refuse to modified this loan. We would like an explanation to cfpb as well as homeowners.
Consumer complaint received 2021-01-15
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)

I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (VA)

I bought a XXXX XXXX XXXX and financing was through Chase XXXX XXXX. 
On XX/XX/XXXX I called to get payoff on the car loan. I was quoted the amount {$7500.00}. I wrote XXXX separate checks from XXXX different accounts and XXXX different Banks. My husband 's account was with XXXX XXXX XXXX XXXX for the {$7000.00}. XXXX, my account, for {$520.00}. Mailed on XX/XX/XXXX. Payment was due XX/XX/XXXX. Checks had not been cleared by XX/XX/XXXX. I called CHASE and I was told they didn't have anyone to process checks. I was told the amount would be honored until XX/XX/XXXX. On the account website on XX/XX/XXXX, it showed the account was past due. XX/XX/XXXX, payment was not posted yet. My husband did an electronic transfer for the {$7000.00}. on XX/XX/XXXX, from XXXX XXXX XXXX XXXX he went to the bank for a stop payment which was done as a courtesy of the bank. I left a message with my bank with XXXX XXXX requesting a stop payment. She was not available. On XX/XX/XXXX, I called Chase and also did the electronic transfer from XXXX, which now the amount was now {$530.00}. I was told the account would be paid off and when the checks arrive, they will not be cashed. They attempted to cash my husband 's check but the stop payment was in place. My check was done as a convenient check and it was processed. It took me from XX/XX/XXXX until XX/XX/XXXX to finally get reimbursed the {$520.00}. On XX/XX/XXXX, I received a check in the amount of {$6400.00}. I called and told them a mistake was made. I was told XXXX supervisors reviewed my account and ordered the check for over payment. I cashed the check and put it in the savings account, because I knew they had made a mistake. I received a call from Chase on XX/XX/XXXX wanting to know why I had not responded to their letter. I responded I have not received a letter. They said it was mailed on XX/XX/XXXX. We had a holiday on XX/XX/XXXX, XXXX, I still have not received the letter. They said that due to the account being reopened and I am now XXXX XXXX behind in payments, penalties, I now owe {$7100.00}. If it wasn't paid interest and penalties would continue to accrue and they would put a lien on my title. When I questioned the amount, They told me that when the {$7000.00} check was stopped the check for {$520.00} was also listed as a stopped payment and I owed that amount back. These were from XXXX different banks. I went to both banks and received the documentation and told them the situation. I was told I only own the amount back from the check they sent me on XX/XX/XXXX. I questioned their ability to be doing financing. They needed to hire XXXX XXXX XXXX felt this was XXXX  me for more money.
Consumer complaint received 2022-10-13
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. (GA)

I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX Equifax XXXX XXXX XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TAMMAC HOLDINGS CORP (NY)

I had a late payment to Tammac holding corporation what happen is the payment was late and they put it on my credit report as a Delinquent. How can they say it was Delinquent When they were paid. I dont understand this because they receive there payment. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York My email is XXXX Thank you
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

JPMCB CARD SERVICES - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.