davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (TX)

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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-22
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. (NY)

There are several unauthorized transactions of {$730.00} which I've never made since XX/XX/2021 to XX/XX/2021 for XXXX, XXXX XXXX and XXXX on my checking account for almost XXXX years. The thing is I haven't used my debit card for purchasing something beside paying credit card, transferring money such as XXXX or XXXX, and paying rent. Whenever I use XXXX, XXXX XXXX, XXXX, I've been always using my credit card not debit or checking account. So, I requested dispute to the card company on XX/XX/2021 and they denied with the reason that the transactions were processed according to the information I provided or were authorized. Of course I don't want to pay for anything I've never made so I appealed again with proofs of my XXXX, XXXX XXXX, XXXX transaction history which don't even match with any of unauthorized transaction 's date or amount. However, they still denied the dispute request with the same reason. If they investigated all the unauthorized transactions, they probably could see who made the transactions, where XXXX purchased delivered or XXXX destinations which wouldn't match with my address or I haven't used this account for purchase but they still denied even though I sent them the proof. Also while I was requesting the dispute and card company sending me new debit card, someone used the updated debit card right away. According to card company, the card information on digital wallet automatically updated so still other person has my information can use the same account. The company 's security is so bad
Consumer complaint received 2022-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KY)

this all started on XXXX XXXX. I cashed a check I did not know was fraudulent until a representative from the organization contacted me to tell me the check was fraudulent. On XX/XX/2021, I notified XXXX XXXX of Chase Bank who believed the check was fraudulent. She informed me that the savings and checking accounts would have holds on them preventing me from using the funds. On XX/XX/2021, I notified XXXX XXXX that I did not have the ability to even get into the accounts to see what was going on. She called a representative from texas who basically said it was all about protecting the bank, not the customer and would not help me. I received a cashiers check for XXXX when it should have been XXXX and that is subtracting the XXXX, the amount of the fraudulent check. I even have a bank statement that reads on XX/XX/2021 that says for the account they say I owe money for for XXXX and it reads '' Debit DDA- Check Charge XXXX ''. They owe me XXXX, not the other way around. I spoke with XXXX XXXX and showed her the documents who tried to call the claims department who said they would issue a check for XXXX and this was on XX/XX/2021. She said to expect the check by the end of 2021. I never got it of course. Now Chase Bank sends me a letter saying I owe them XXXX when I have a bank statement saying it was already paid.
Consumer complaint received 2022-04-25
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. (PA)

XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act 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 2019-04-10
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: CITIBANK, N.A. (MI)

I recently went on a cruise and use my credit card ( Citi Bank ) to make purchases. The cruise was from XX/XX/XXXX to XX/XX/XXXX. After the cruise was over, there are pending charges and and actual charge. I waited the appropriate time based on the cruise line recommendation that the pending charges would fall off my credit card. On XX/XX/XXXX, I called the cruise line to understand when the pending charges would fall off. They indicated since they don't keep credit card information, it would be up to the credit card company to remove the pending charges. The cruise line and I called the credit card company to have a conference call. The credit card company was unwilling to remove the pending charges and stated it was up to the cruise line. The cruise line stated it was up to the credit card company. They both was standing their ground and was stating how much experience they had in resolving these issues without recognizing, the consumer ( me ) was on the line being affected by the issue. Since I didn't know which party was telling the truth, I cut the conversation and stated I would just write up a complaint. As of today, XX/XX/XXXX, the pending charges are still showing on my account. I don't know what the next steps are since, I needed the card to use for a business trip which I had to adjust other cards to pay for hotel charges. I think both companies were unprofessional and didn't think about the consumer who is being affected by the pending charges on the account.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

Looking closely at this promissory note documents it's XXXX pages. There XXXX pages in this promissory note that makes it fraudulent, forged, and difficult to see something words or pages. This is not original documents. These XXXX pages below makes the entire documents invalid. 
Page XXXX errors : Make a note that the terms and agreement are all blurry and it is difficult to see the borrowers rights and etc. The signature has white out near XXXX There are XXXX illegal dates and initialization of XXXX is not mines. I initialize my name as XXXX. 
Page XXXX errors : ( XXXX ) XXXX Information is not checked. Area Code/ Fax number is incorrect. Certification Date is blank. ( XXXX ) Institution and Address is left blank. 
( XXXX ) Borrower Information full name and telephone number is incorrect. 
Singnature of Authroized XXXX signature is blank. 
Name and the Authorized XXXX in print is blank. 
Holder/Servicer is blank. 
XXXX XXXX is blank. 
Date is blank. 

Page 9 errors : ( 1 ) Holder/Servicer Information is not checked. Street section is incomplete. City, State, Zip Code is typed in out under the lines. Area Code/Telephone is typed in out under the line. Area Code/Fax # is typed in out under the line. ( 2 ) Institution and Address Area Code/Fax is blank.

( 3 ) Borrower Information Area Code/Telephone is the same as page 8.

( 4 ) Certification Date is typed in under the line. 
Signature of Authorized XXXX is electronically signed which is invalid. 
Name and Title of Authorized XXXX in print is typed small font which invalid. 
Holder Servicer name is typed in small font. This is invalid. 
Date XX/XX/2013 is typed in small font. This is invalid.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AZ)

I checked my Credit Reports today and see that a new Credit Card was opened using my info with CITI XXXX /Citi Bank starting with an inquiry on XX/XX/21, and issued a Credit Card for {$12000.00}. I have contacted XXXX to start a Fraud Complaint, I also reached out to Citi and was told they are starting the process but I would have to call the Fraud Dept directly but the number they gave me XXXX goes to a dead line. I will proceed to contact the FTC and the other XXXX XXXX XXXX XXXX XXXX ) asap. 

XXXX shows the address of the person who opened this new CC as XXXX XXXX XXXX XXXX, XXXX XXXX. I live in XXXX and have never lived in XXXX.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NH)

They are ignoring my written request and not removing the XXXX XXXX of {$330.00} this debit that is not mine, I do not have a XXXX account and they are reporting on the credit bureau I live in Michigan and I never have, this debit is not mine. I disputed with the credit bureau and I am getting the debit is mine. I have lived in NH for over 30 years.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (UT)

They called saying I had a US Bank credit card that was charged off in 2015. They had some of my PII and were threatening court case. They wouldn't let me contact the owner of this said debt. I never received any communications from this and never saw this on my credit report in the last XXXX  years. Either this was a scam or was opened fraudulently in my name.
Consumer complaint received 2021-09-10
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: CL Holdings LLC (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

On XX/XX/XXXX. 2021, I called Loan Depot ( loandepot.com ) to inquire about streamlining refinancing of my existing FHA loan with the option as stated in the FHA/HUD guidelines of not credit qualifying, as my credit score is low. While it has come up over 50 points in the past year, I continue through COVID working hard to get it up even further but have an opportunity to save at least {$450.00} a month with a refinance given the current interest rate market. I meet all the other qualifications to refinance. I spoke with XXXX XXXX, XXXX ID XXXX. I explained the situation precisely, what I was looking to do and that I had credit concerns. he acknowledged an understanding of how the FHS streamline refinancing works, stated that Loan Depot can help me, and started the process of starting an application. He couldn't find me for whatever reason and asked for my ss # as an identifier which I provided. He then without asking or telling me, ran a hard pull on my credit. I was made aware of that through the credit monitoring service ( XXXX ) I use. I asked him why he pulled my credit and she said he did it to identify me. With the pulled report, their system showed no options for loans and it appears they don't do FHA streamline refinancing or don't understand them as he originally indicated. I asked if he could somehow reverse the inquiry as he had no permission to do so and he never responded, after multiple attempts. Most of our back and forth including the entire exchange with pulling credit was done by text and the transcripts are available. If I could not be helped, that is fine. But, I should not leave in wore shape than I came to them in. Bad Business.
Consumer complaint received 2021-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

Having gotten poor advice in the past from previous loan company, I consolidated my educational student loans under the Federal Family Educational Loan Program ( FFELP ). 
I have been aware recently that my educational loan does not qualify for Loan Forgiveness. I applied for Public Service Loan Forgiveness and was denied because my loan type does not qualify. ( FFELP loan amount as of XX/XX/XXXX : {$110000.00} ). If I had advised that consolidating my loans under the FFELP was not the best option for me, I would not have done so. 
I have dedicated to working in the XXXX XXXX as a XXXX  in underserved communities in XXXX, Illinois and do not have the benefits or options that I would have had if I had been advised to consolidate under the Direct Loan Program. 
I graduated from XXXX  XXXX  School in XXXX and finished my XXXX  at XXXX XXXX XXXX XXXX XXXX in XXXX. I have served in underserved areas in XXXX since XXXX.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX account number 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 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (LA)

On XX/XX/XXXX I placed a call XXXX XXXX associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the XXXX XXXX contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX XXXX XXXX XXXX XXXX XXXX none of this was on my credit report for years why not even the Citibank card was not on my credit report cuz it was forgiven
Consumer complaint received 2021-11-22
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: DISCOVER BANK (PA)

I made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX 

Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. 

As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. 

On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. 

The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

Commencing on or around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to these fraudulent investment companies.
Consumer complaint received 2022-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

My XXXX Escrow account was short due XXXX XXXX taxes. XXXX XXXX treasures office sent a refund in XX/XX/XXXX. Refund was applied but Freedom Mortgage continued to have difficulty adjusting my mortgage account & payments. Each month they continued to charge me for a shortage and late fees. I called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and each representative told me that they saw the issue in the notes and would submit my account for review. I was also told that my new payment would be reduced effective XXXX and that I would see it on my next statement. Fees would be removed and the late fee I paid would be refunded. I just received my XXXX invoice and nothing has been corrected. Today, XXXX, Im on the phone with an XXXX XXXX who told me I was provided wrong info and Sorry and that I have to pay. Nothing she can do about it. Ive asked to speak to a supervisor. Spoke to XXXX- she informed me that there is nothing they can do, they can not adjust the amount back to XXXX, even though thats what the rep told me, the rep gave me wrong info and that I owe the unpaid amount. 
XXXX XXXX XXXX XXXX, a veteran, this is my XXXX home and Ive never experienced any issues with any lender until Freedom Mortgage. I only want them to fix my account like they said they would.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

On XXXX XX/XX/XXXX I found that my ex-husband applied with XXXX XXXX XXXX for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of XXXX XXXX XXXX and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from XXXX XXXX XXXX addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. XXXX XXXXXXXX XXXX never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.