davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

Time-Sensitive : I have a XXXX. 
Settled and payed off Chase Credit Card XX/XX/2022. NYS Dep't of Financial Services asked me to write a complaint with your agency. 
I need an electric statement emailed to me from Chase Card Services that the Credit Card Account I settled on XXXX is closed and has a XXXX balance, to urgently show a leasing office where I am trying to rent an apartment in a timely fashion as my current roommate has XXXX XXXX and I need to move immediately. 
I spoke with Chase Card Services, they said they are unable to issue such statement to my email, and it could take up to 60 days for them to mail me the statement I require in the U.S. Postal Service. I require the document this week.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

My mortgage was transferred to fay serving in XXXX of XXXX I got behind all of that year but made payment arrangements in XXXX of that year. I had 1 year to get caught up witch I did but they said that when my acct was transferred they payed my escrow in advance and that I needed to pay my current escrow and the one that was payed so ever since they I have been pay on the advance and when I call they keep tell me I have two years to pay that money back. My payment went up ever year and they keep tell me I am paying the extra money for the advance. My home owner insurance wasXXXX in XXXX and taxsXXXX my payment was XXXX and only XXXX went to principal and XXXX to interest the rest went to escrow. I keep calling every year and they keep tell me the same thing another 2 year to pay it back. My interest is 3.37 %. My payment this year is XXXX. I am so stressed about this can someone please help me understand. Thanks
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I signed up this account following a promotional link for {$400.00} bonus on XX/XX/18. After meeting the requirements, they didn't issue the bonus on the date as promised in XXXX. I waited 4 more weeks then I contacted the bank on XX/XX/18 through Online chat. I was confirmed I'm qualified to get the bonus. A case has been opened by the representative to request the bonus to be issued to me. 

Here is the confirmation - " Your request has been submitted. Responses will be sent via your preferred method of communication. You will receive Citibank Online, email and fax responses within 2 business days and US Mail responses within 5-7 business days. If you have questions on this case please call Customer Service and refer to reference number XXXX. '' But I've never heard back from them. They didn't issue me the bonus at the first place as they've promised. I'm tired of reaching out and waiting. Here I am.
Consumer complaint received 2022-10-25
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: Nelnet, Inc. (TX)

In XXXX two student loans appeared on my credit report from Nelnet. I contacted the company and disputed the student loans as I was unaware of them. I asked for the document on the loan. The name they stated on the loan is XXXX XXXX. I advised my maiden name is XXXX and married name is XXXX never XXXX. I then disputed on my XXXX XXXX. The disputes were won on Nelnets end. I requested documents again from Nelnet they sent me over to federal loan number who said its in the system but there is nothing on the loan as for identification social card nothing. I told them that it is not my loan they said they don't have anything no documents or anything. They advised me to dispute with Nelnet again I advised they are a dead end. NelNet said the loan is from early XXXX 's I am XXXX XXXX XXXX why would this loan pop up on my credit that doesnt belong to me well over XXXX. I continued to put the loan in deferment to avoid it harming my credit. This account is fraud and I can prove my birth certificated that is XXXX and marriage license that is XXXX along with social security cards that indicate that. Nelnet refuses to provide documents valid documents to me about this fraudulent accounts. I am concerned they are going to damage my credit if I dont continue to put the loan in forbearance. I dont know what else to do, I am being forced to take on a loan that isnt mine.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suburban Credit Corporation (VA)

Dear Sirs/Madams, Recently I was notified by my Credit Reporting Agency ( XXXX via XXXX XXXX ) that a collection amount of {$20.00} has been added as a derogatory remark on my credit report resulting in 12 point drop. The collection company/agency is SUBURBAN CREDIT CORPORATION. 

I can prove that the medical bill in question has been paid by my Insurance companies currently XXXX and XXXX XXXX and I do not owe any money, even the doctor 's office in question ( XXXX XXXX XXXX XXXX ) has confirmed that. 

Last but not the least, the patient in question, by beloved daughter XXXX XXXX XXXX has passed away as well, and this agency is trying to defraud me for a sum of {$20.00} that I do not owe. 

I hereby request a resolution of this issue and removal of the negative/derogatory collection mark from my credit report.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I did a mobile check deposit on XXXX XXXX and my acct says there could be a hold of 4 days on mobile check deposits. Well for some reason capital one wants to hold my funds for 7 days not even releasing the first {$200.00} or even a dime of it to me at all before then and I'm stranded in Hawaii with no ID no access to my credit cards or anyway to otherwise cash a check or even pickup money from family thru other means. 
I called the bank that the deposited check was drawn on ( XXXX ) they said the check is good nothing is wrong no stop pays no holds and they even released the funds to Capital One already ... .so why if they have my money do I still have to wait to access it ... .makes no sense at all! The funds are there and there is nomlk ger any " risk '' involved. 
I'm stranded and need to be able to access my money and need it ASAP
Consumer complaint received 2021-12-11
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: Coinbase, Inc. (FL)

I submitted a written billing dispute with a card issued by " XXXX, XXXX. '' to the company " Coinbase '' : https : XXXX This card is advertised as a " Debit Card. '' and it is FDIC insured according to the XXXX website. I submitted a regulation E-billing dispute to " Coinbase '' and " XXXX. '' This is what I have in writing from them from their verified Support Email Address : " Hello, We want to give you an update on your dispute regarding ( XXXX {$510.00} ). 

Were working quickly to resolve your dispute but please note that some investigations may take up to 45-90 days. While you wait for the final decision, we have processed a provisional credit to your account in the amount of ( $ XXXX ). 

This is considered a temporary credit until your dispute is resolved. If your dispute is successful, your credit will become permanent. However, if the dispute is resolved in favor of the merchant, the provisional amount will be reversed. 

Please note, any rewards associated with the disputed transaction have been reversed. '' I have not received a temporary credit and it has been 45 days since the claim ( Federal law requires this be applied within 10 business days. ) Also, I have an email from XXXX Third Party Seller Marketplace stating the funds for this purchase have been reversed to XXXX and the card ending in XXXX due to a billing dispute. I have not received these funds. I have not received any of the {$510.00} I disputed nor the temporary credit that is required by law and was promised by the banks support team in a verified email. 

My email address is XXXX and the ticket and claim numbers assigned by the " Coinbase Support Card Services Team '' is XXXX and XXXX.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

The Dealer where the car was leased sent a check to Hyundai Motor Finance to cancel the maintenance agreement associated with the car. Check XXXX for {$1300.00} was issued by dealer and cashed by Hyundai on XX/XX/XXXX. I have contacted HMF at least once a week and sent cancelled check copies multiple times. Also say it will be reviewed and I will hear back within 3-5 business days. Check needs to be applied to the pay off value of lease as we need to end this lease early.

Below are dates I have contacted HMF customer service ( more than this but these are dates I wrote notes ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have sent emails through their secure Payment Processing Dept mimecast portal on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
We are incurring additional cost of $ XXXX/month for insurance on this car because we have not been able to proceed with ending this lease since XX/XX/XXXX. Car has not even been driven since XX/XX/XXXX because my father had a fall and longer able to operate a vehicle.
Consumer complaint received 2020-05-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I simply disputed two of my XXXX XXXX credit cards that have not been accurately reporting the correct balance and recent payments that I had been making to my Experian credit score. What instead happen is when I filed the dispute, being the fact that when Experian reached out to them they did not reply within 30 day, my two credits cards which are still currently active and in GREAT standing were removed from my Experian credit score. My score also dropped due to the removal. I am VERY UNHAPPY about that and this situation as a whole, I simply wanted my credit cards current status to accurately be reported but they were instead removed. I need this FIXED ASAP and what I mean by fixed is my two XXXX XXXXXXXX accounts to be appear back on my Experian credit score and at the end of each cycle and preferably refresh with the most current information and payment history at the time. I would also like to be anointed the points that I lost back for this error if that is even possible.
Consumer complaint received 2022-10-12
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. (SC)

I have submitted dispute letters to address inaccurate reporting on my credit report to Transunion in XX/XX/2022, XX/XX/2022, and XX/XX/2022. In all those events, Transunion claimed I was using a credit repair service and did not really look into my disputes. These inaccurate items on my credit are affecting my credit negatively and this needs to be taken care of immediately! I demand Transunion to act accordingly and respect my rights as a consumer.
Consumer complaint received 2022-12-08
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: AMERICAN EXPRESS COMPANY (IL)

I have been under a XXXX  XXXX for the past 3 year I have not applied for anything because I was aware that I will not get it due to me being and a XXXX  XXXX this account is fraudulent
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX Ive reached out to Experian about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX XXXX This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Experian not doing their jobs properly.
Consumer complaint received 2021-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had equifax remove a fraudulent collection about a month ago, and I noticed that they were reporting an account as open that has been paid in full about 2 years ago. Instead of removing the fraudulent report, they dropped my.credit score 58 points. Also, I have never received payment for the lawsuit that they sold 47 million people 's personal information on 2017. They are also showing a fraudulent medical bill on my credit report. It is my understanding that this type of bill would be part of my medical records and they have broken the law by accessing my medical records.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX Found & disputed open " Line of Credit '' Account ( " XXXX '' ) w/BB & T on XXXX   XX/XX/XXXX XXXX reported ( Report # XXXX ) " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX Called BB & T Branch I formerly ( XXXX ) had relationship with @ XXXX XXXX XXXX, XXXX, VA XXXX ; spoke to XXXX XXXX who knows me well ; explained that BB & T was showing me with an open account & asked that that be corrected ; she advised that she would 'have to check with her manager. ' XX/XX/XXXX Sent letter to " Bank Manager '' at above address confirming my conversation w.Ms. XXXX and again explaining the problem w/copy of XXXX report & copy of BB & T " New Account Opening '' form showing " Account Options/Overdraft Protection Provided by XXXX '' XX/XX/XXXX. Requested that all 3 Credit agencies be advised that the account was Not active. 
XX/XX/XXXX XXXX continues to show this as an active account, and I have had no response from BB & T. All documents mentioned above can be provided.
Consumer complaint received 2021-03-08
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. (CA)

I got scammed for XXXX for trying to order a puppy online XX/XX/2021. Long story short it was XXXX for the puppy. Upon arrival they added 3 different fees to receive puppy, that were 100 % refundable. I only paid 2 fees because when they asked for the 3rd one I knew it was a scam. Chase bank says that cant do nothing about.
Consumer complaint received 2020-09-25
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2021-10-07
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: Rausch Sturm LLP (IA)

this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX  XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts Jefferson Capital Systems LLC for the amount of {$1500.00} and XXXX  for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.