davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (ID)

I have an XXXX credit card through Chase, opened XX/XX/XXXX. I have a 100 % on-time payment history for all my other accounts, so the fact that this card was ultimately closed over issues on their end when I kept trying to make payments, is very frustrating. 

I did let this account go close to 90 days past due ONE time while I was having health issues, because I did not realize it wasn't being automatically deducted like I had set up. I called in XX/XX/XXXX to address this - and here is where the issue is - unknowingly, I gave them my old account number off an old check ( from my checking account with my credit union ), and they CONFIRMED the account came up as " good '' and my payment would be deducted that month. I believe payments were due the XXXX each month. I waited the few days it usually took to come out of my debit account after the XXXX, but never saw a payment deducted from Chase.  So I called back to find out what happened and at this point my account was now 120 days past due in XXXX. They asked me to confirm my checking account information that the payment should have been pulled from - again, unknowingly, I gave the old check numbers, and once AGAIN they said the account was valid and my payment would be processed. It wasn't processed. This happened three months in a row, putting me 180 days past due in XXXX - even though I was trying to pay! After 3 months and nobody being able to figure out why my payments weren't going through, a manager looked and figured out the checking account was NOT active. So I got the correct routing numbers from my bank and they put them in, and then it showed up as " not a valid account ''. I just wanted to pay my bill, but every time I called I felt like I was getting the run around and nobody knew what to do. 

My account was shut off due to non-payment, even though I WAS TRYING TO PAY. They set up a payment plan, and I have been paying {$100.00} each month, on time, for over 2 years. And what is frustrating about this, is I was having to physically go into a Chase branch to pay my bill. They told me that since my payment didn't go through so many times when I was accidentally giving my old checking account numbers ( even though they said it came up as a good, active account ), that now there was a hold on my account and the new, correct routing numbers show as " not valid '' on their end. 


Bottom line - I messed up by being late those first 90 days due to extraordinary circumstances, but I was TRYING to pay my bill and was being told each month that everything was set to work and go through, and then it wouldn't. So my account was shut off even though I was trying to pay my bill. I have a great credit and payment history besides this one thing, so this whole situation is so out of the norm for me and I'm upset how much it has affected my credit.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (PA)

Ive written equifax on multiple occasions explaining to them that I did not authorize or verify multiple hard inquiries that were reporting on my consumer credit profile and ask for them to be removed immediately. They never even took the time to write back. I never gave consent for Equifax to report this information and my consumer rights are therefore being violated. 

15 usc 1681b ( a ) ( 2 ) states In accordance with written instruction of the consumer to whom it relates. 

I never gave written instruction or consent of any kind therefore my consumer rights are being violated.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

First of all, your categories did not cover my complaint. So it is actually none of the above I just chose ANYTHING to get to the next page. You guys need a category that is called customer service complaint. There is no way to talk to a real person at Experian despite the seven different phone numbers that they ostensibly provide to '' contact customer service '' it doesn't matter what you do you are dragged to the same rat Maze and given only two measly choices one is putting a fraud alert on and one is ordering your car there are no options to talk to an agent AT ALL!! Experian has something on my credit report about me that says my social security number was used with an old address of mine and when I read who the inquiry was it was something I did not understand and that I needed Experian to translate since the title of the inquiry was some initial, XXXX a couple of other words, and then the word experian ... despite two hours of searching on the internet and everything I could find the same 800 numbers for Experian from their website telling me to reach out to them through XXXX or XXXX or some other kind of nonsense. They need an 800 number that actually works, that one of the options is to talk to an agent. That they have so much of my personal information and they're getting paid to do a job and with no way of anyone to actually speak to them.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (MD)

<<<<<<<<<<<<<NOTICE OF INTENT TO SUE>>>>>>>>>>>> Please be advised that within the next several weeks the undersigned intends to initiate a civil lawsuit against Citibank arising out of a matter within the jurisdiction of the District Court for XXXX XXXX XXXX county. 

Citibank has BREACHED its FIDUCIARY DUTY, and as a result, the undersigned intends to SUE, and Citibank is on NOTICE of that intent. 

Specifically, pursuant to page 28 of the Citibank Client Manual, the undersigned specifically notified Citibank, in writing, that the undersigned DID NOT agree for Citibank to pay any check presented to Citibank for payment more than six months after its date ( a stale-dated check ), even if the presentment occurred after the expiration of a stop payment order. 

Further, the undersigned also notified Citibank, in writing, that the undersigned did not agree that Citibank would not be required to identify stale dated checks or to seek my permission to pay them. To the contrary, the undersigned advised Citibank, in writing, that the Bank MAY NO pay but shall REJECT any checks which is presented to it for payment more six months after its date ( a stale-dated check ), on ANY of my checking accounts, including, but more specifically, the checking account ending in XXXX. Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be LIABLE for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this SHALL supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have a freeze on my experian credit file. I am been trying to temporarily lift this freeze but experian is being very obtuse about it. When I try to enter my PIN, it doesn't recognize it. When I try to get a new PIN, it asks me to verify my identity, which I do succesfully, but then it locks me out and tells me to contact experian via mail. It does the same thing when I try to access my credit report after credit denial. I have mailed and faxed my request but no one has responded. All phone numbers for experian are circular IVR systems designed to drive you mad. I wish this horrible company would die and go out of business.
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (GA)

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed several hard credit inquires on my TransUnion credit report. None of them were appearing on the reports from the other credit reporting agencies ( XXXX and XXXX ). I called TransUnion to dispute this and have these removed. I said that I suspected that they might be related to a recent system glitch TransUnion made by removing, then reinserting inquiries back into consumers credit reports ( from what I understand can only be done in a very specific way that requires notification to the consumer ). Nevertheless, the customer service representative was not willing to help me.
Consumer complaint received 2019-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. 
I did not Authorize to make this. 

XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Credit and Collection Service, Inc. (VA)

Capital Credit & Collections Service , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX A debt originating from XX/XX/2016 with the XXXX XXXX XXXX XXXX XXXX, in the amount of XXXX dollars for a medical service, was sent to collection with Capital Credit. They attempted to charge {$17.00} interest on the debt ... which is illegal, according to Oregon State, as well as Federal law. 

According to Federal Law : https : //www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

According to Oregon State Law : XXXX XXXX XXXX : A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ...

( n ) Collects or attempts to collect interest or other charges or fees that exceed the actual debt unless the agreement, contract or instrument that creates the debt expressly authorizes, or a law expressly allows, the interest or other charges or fees. 


I spoke with the company, who was easily willing to drop the interest, but insisted that it was legal for them to do. 

I paid the {$60.00}, but they should not be lying to people, telling them that they can legally apply interest charges on a debt, when they clearly can not. At the very least, this company should be reprimanded for these unjust and deceptive practices.
Consumer complaint received 2019-01-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

I reference that this credit bureau XXXX  werent able to verify it and I attached my proof of results marked deleted for this account # XXXX & this account # XXXX Im disputing. They were not able to verified it can you follow the same procedures and govern yourselves accordingly.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX  and XXXX  mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX  income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX  years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX   Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report.

On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a Bankruptcy reporting on my credit report. I have contacted Transunion through mail, by phone and fax on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, requesting them to investigate this error. Each time they have returned their results to the investigation as verified. I have asked them to provide me with the procedures and documentation they used to verify this and they have not. They also have gone as far to say they are not required to do so. I have attached copies of the letter I sent to the United States Bankruptcy Court XXXX District of Georgia and their response letter. Their response letter to me clearly states that they do not provide any infromation to credit reporting agencies.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

For reasons I do not understand, my company has not been given normal account access online. Because it starts with a XXXX, I do not have an account online and go through a strange portal to make payments. This portal is extremely limited. It does not report payment history, interest paid or due, etc. It simply accepts payments. I hate it and so I have accelerated the payments to get away from GM Financial. Since I made my first accelerated payment, I am no longer able to access the portal. I have been denied access for two weeks. If I try to pay online, I have to pay a fee. But, I can't access the portal to make a payment online, coincidentally this has been the case ever since I started accelerating the payments. When I call in, they discourage me from making a payment, indicating no payment is yet due.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. 

On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. 

This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

When I started to repay theses loans years ago I was encouraged to make interest only payments. It was described to me that I would be paying down a set amount of interest and when I could later afford to make higher payments, the interest owed would be paid down and I would be making payments towards the principal. Long story short, I was misled into believing I was paying down a predetermined set amount of interest. I am still paying a great deal of interest. Over the years I have paid around {$10000.00} in payments and today I owe more than I ever borrowed!