davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MN)

I reached out to Experian that they are showing 3 entries with " Charge off Status '' and advised them that according to IRS, that is considered income. Also, it is unlawful to report income on a credit report and Experian has ignored my notice to them.
Consumer complaint received 2020-08-11
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: Receivables Performance Management, LLC (NY)

Receivables Performance Management is reporting a collection account to XXXX & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : RECEIVABLES PERFORMANCE ( Original Creditor : XXXX ) Balance : XXXX Account : XXXX
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I called to request a refund of payments made through the covid payment pause on XX/XX/XXXX. I was told it would be sent through. 

I called on XXXX to make sure it was approved and going through, which I was told it was approved on XXXX and I should expect something from them within a 4-6 week timeframe. 

I called XX/XX/XXXX to see when my balance on the Aidvantage website would update, which I was told that my request was never actually sent to the treasury for review. So I asked what needed to be done to get my request sent, which at this point was a month past my actual, initial request and was told they would handle it. 

XX/XX/XXXX I called to see if there was any update on my refund request and I was told it was barely sent on XXXX. So I have no idea why it is being dragged out this long when I was very much depending on this money for a financial emergency. They tell me there should be some movement within the next few days to my online account. 

XX/XX/XXXX I call again because I wanted to make sure everything was going through because I have very little trust in this process anymore since it seems all of my attempts to get this refund have been stalled. The Rep tells me they will escalate my issue and put me in queue with the rest of the borrowers who put in their request at the same time as me, but then I get an email saying my request was sent on XX/XX/XXXX and it will take up to 8-12 weeks from then. 

I have been given so many different responses and I just want to be given one, true answer with what to expect if I will ever been given this refund that was requested almost two months ago.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I am the executioner of an estate that has a JPMorgan bank account. I have communicated the court order to JPMorgan Chase online and I have sent the court order to a local branch. It is past a month and JPMorgan is giving me the run around of granting me access to the respective account. This is causing tremendous delays in performing my duty as the executioner of the estate.
Consumer complaint received 2022-10-21
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. (MS)

Hi I am submitting this 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 n 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-01
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. (GA)

In accordance with the Fair Credit Reporting Act Equifax and XXXX continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : XXXX XXXX XXXX. I ( Account Number : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Consumer complaint received 2020-05-15
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. (OR)

I purchased a new piano. This piano was delivered with a defect. Salesman said that it could be exchanged with a new one. That exchange occurred, but we were given a used showroom floor model. We went back to the store, saw that the showroom model was missing, and asked for a refund. Merchant refused to refund. 

We disputed the charge with Citibank Visa & provided them evidence of what happened. Citibank went to merchant and asked for credit on this charge. But merchant refused, and Citibank sent a final letter to me saying " since we are unable to obtain compensation from the merchant, your account has been rebilled ''. 

Citibank initially agreed to my response/evidence and asked merchant for credit. But if merchant refused the chargeback, then why is Citibank rebilling me? 

According to the cardholder agreement, I have a right not to pay this amount. I am considering bringing this case to 3rd party arbitration, which is my only legal path of escalation left. I do not want to pay the amount under dispute, but Citibank 's dispute center representative said that I must pay if I did not want to incur interest charges. I am afraid that if I paid the disputed charge, I'll lose my billing rights which says : " ... you may have the right not to pay the remaining amount due on the purchase '' provided that " ... you must not yet have fully paid for the purchase. '' Can you help get some clarification from Citibank on why they are billing me if the merchant is at fault? And if this is pursued under 3rd party arbitration, is there a way to issue a conditional credit so that I do not have to incur any penalties while this is being arbitrated? 

Sincerely, XXXX XXXX Citibank dispute ID : XXXX
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX I was previously notified by Portfolio Recovery Associates stating I owed a debt through them. I wrote in response to Portfolio a verification request of the debt and I received old credit card statements ( did not receive all information I requested to validate the debt ). I responded with another letter on XX/XX/XXXX stating information sent to me was not validation, Portfolio recovery Associates was in violation of the Fair Debt Collection Practices Act and I be sue. On XX/XX/XXXX I also sent a cease and desist letter to STOP ANY and ALL COMMUNICATION from Portfolio to yet receive two more letters from them dated XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery Associates are in violation of the FDCPA 15 USC 1692 for failure to validate debt and stop communication as requested. All correspondence I sent to Portfolio Recovery Associates were sent via certified
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BBVA FINANCIAL CORPORATION (TX)

A payment lateness was reported to the Credit Bureau and this was entirely not my fault. 

Due to Covid-19, wait time on telephone banking was over an hour and I was unable to contact customer service. My second option of payment was using the BBVA app, but that was not working either and I had notified customer service previously and nothing was done about it. 

When I contacted to explain my situation, they said I should have gone to the bank to make payment, and I had let them know my husband had just returned from the XXXX XXXX and we were all advised to quarantine. And with XXXX children, that was a very difficult time. 

I asked them to refuse the late payment report on my credit report and I made all payments, and they refused. I just need them to take responsibility for the app not working and the over 1 hour call waiting which made it difficult for payments to be made.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX - Sent a letter to Wells Fargo disputing {$190.00} recording fee they added to payoff statement of my mortgage. They should only have charged me {$95.00} for the recording of the reconveyance of my deed of trust. 
XX/XX/XXXX - Received letter from WF acknowledging receipt of my letter of XXXX and that they would respond by XX/XX/XXXX. 
XX/XX/XXXX - Sale of my home closed and Escrow sent payoff funds to WF. 
XX/XX/XXXX - Received letter from WF stating that the {$190.00} charge is accurate. Their letter stated that they had to also record a Substitution of Trustee. It is not might fault that WF chose to substitute the original Trustee on the Deed of Trust to another Trustee. I shouldn't be penalized for this. WF should be responsible for the recording cost for that document, not me. I spoke to WF representative and voiced my objection. 
XX/XX/XXXX - Received letter from WF denying reimbursement of {$95.00}.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I received a private student loan from XXXX, serviced by XXXX XXXX in 2018. There was an error in the loan interest rate percentage, so XXXX closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). Experian, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with XXXX balance on it, and yet Experian is still claiming that there exists a balance of a little over {$43000.00}.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

My identity has been stolen, probably as a result of the 2017 Equifax security breach. 
By getting access to my social security number and other personal information, ciminals have applied for unemployment in my name. They are opening up bank accounts without my knowledge. 

I have been unable to reach Equifax to freeze my account. I can not reach any agents by phone or email. Their automated services do not work. 

I have been on hold up for over four hours at a time without anyone answering.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Consumer complaint received 2022-12-07
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: CITIBANK, N.A. (IL)

I have 2 inquiries on my XXXX credit report from the same company less than 30 days apart. one inquiry is on XX/XX/2022 and the other is XX/XX/2022. They are both from Citibank. I have no knowledge of these inquiries and I did not authorize for my credit reports to be used for this company. These are fradulent inquiries.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (NJ)

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Consumer complaint received 2022-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.