davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (FL)

Made a purchase from Amazon XXXX XX/XX/18 for $ XXXX..Chase Bank..Fax # XXXX.Product arrived missing a part and tried to work with amazon just for the part ... after days of written correspondence with amazon staff that could hardly speak English.. ( I have Copys of Everything ) it was determined I Had to return the whole Product ... Which I did and Amazon confirmed..Amazon said it would have to conduct an investigation . after delay after delay, I called Chase and the Staff recommended I file a Dispute Immediately..Which I did. Soon after Amazon confirmed receipt of the return and issued a refund.My Chase account Balance returned to {$0.00}. Reflected in 2 statements.A month or 2 went buy and I got a Statement with A balance of {$160.00}. When I called Chase ... They said Amazon Had re posted the {$140.00} now {$160.00} charge noting they had not received the return ... This was Amazons ONLY argument.I let Chase Know I had my XXXX Tracking Data an Confirmation and receipt dated XX/XX/18 which I promptly faxed to Chase and they confirmed Receipt. After being passed around for Days by Chase..I get a letter saying they Had Sided with Amazon. After more wasted Phone calls to Chase..So after almost half a YEAR ... .Here I am.
Consumer complaint received 2019-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

I submitted a complaint not that long ago because Ive been having issues with making payments on my loans via Sallie Mae. Whomever I talked to on the phone last said just to pay whatever amount I could and I would receive a phone call from the company. My mother who is my co-signer received a letter saying I was last due and I only received an email stating the same thing. They will not work with me and this needs to stop.
Consumer complaint received 2019-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (UT)

I received a update on my credit report from this company call LVNV FUNDING. I was not notified of this debt from this company nor given a 30 day notice to dispute. This a violation to my credit report. The debt, that this company is collecting is debt from XXXX XXXX credit card that has already been removed from my XXXX credit report due to the company not providing proof of this debt. I request this company provide proof of debt an address that I was informed of this debt. I have no financial obligations to this debt an I will show proof that it was removed from my credit report. An this was sold to another company without knowing the implications of the debt that was already disputed.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

I had a car accident on XX/XX/XXXX, in which this vehicle was completely totaled out. Nissan informed me  that I owed one payment that was due XX/XX/XXXX for a total of XXXX. I completed this payment on XX/XX/XXXX. Once I completed this payment, XXXX ( my insurance company ) and GAP submitted in the total for the rest of the vehicle. At that point in time when I accessed my account with Nissan, they showed that the balance was 100 % taken care of and that I owed no further payments. I was also informed by a representative that I was owed approximately {$2000.00} more dollars in payment for warranty that I have not received and an additional {$460.00} in tire warranty ( that I have not received. I also received a {$58.00} check for my excess payment that I completed on XX/XX/XXXX. Nissan did not inform me that I owed any additional payments, yet they reported inadequately on my credit report that I am 30 days past due ( in which I am not ). Had I owed an additional payment, this payment would've been due XX/XX/XXXX and I wouldn't have been past due until XX/XX/XXXX. I have not received any notices from Nissan in any way stipulating that I owed any further balances.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

My credit score dropped 38 points with Equifax on XX/XX/XXXX and 44 points with XXXX on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum XXXX to get a mortgage loan but now they are back at the XXXX and XXXX levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.
Consumer complaint received 2019-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called XXXX   XXXX  in XXXX XX/XX/XXXX. My finance company which is XXXX XXXX   financed me for a little over 15,000 $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau Transunion. My payment is due twice a month with the amount of XXXX. $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted Transunion they expressed to me that no credit report was given to them since XXXX of XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company XXXX XXXX they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX   XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX
Consumer complaint received 2019-04-06
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. (AZ)

XXXX has an inquiry on my credit report from XXXX of XXXX, and after speaking with the bank they confirmed they did not access my credit profile because I had a security freeze on my profile at that time. I contacted Experian on XX/XX/XXXX at XXXX XXXX Arizona time, to inform them that this inquiry is incorrect and should not be on my credit profile. I spoke with a manager by the name of XXXX who stated they are refusing to file a dispute regardless of the fact that I did not give permission for this inquiry. I informed him that I would file a complaint and that they are violating my consumer rights and he stated he was aware of that and that I was free to proceed with the complaint.
Consumer complaint received 2022-10-22
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: CITIBANK, N.A. (NC)

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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-04-06
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. (OH)

XXXX auto XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Consumer complaint received 2019-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (AL)

I believe I, and Ditech Financing LLC may be victims of Escrow Fraud. Please see attachments ' for a detailed explanation of the event. You must start with the letter to XXXX ( Ditech Holdings ). This a time sensitive matter due to start in XX/XX/2019. The letter and attachments are self explanatory. If I were to write the communication into this box, it would be redundant. 

Thank you for your attention XXXX XXXX " I'm being robbed in slow motion '' ...
Consumer complaint received 2022-10-22
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)

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 3 items on my credit report one for the balance of {$240.00}, {$1000.00}, and again {$1000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Consumer complaint received 2019-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I LOST MY BANK CARD AND SOME OTHER PERSONAL INFORMATION DURING THE WEEK OF XX/XX/2019. I DID NOT REALIZE THAT MY BANK CARD COULD POSSIBLY BE MISSING UNTIL I RECEIVED A TEXT THE EVENING XX/XX/2019 ABOUT A {$700.00} WITHDRAWAL WHICH I TEXTED BACK NO. I TRIED TO LOG ON TO MY CHASE ACCOUNT FROM MY PHONE AND WAS LOCKED OUT. I BEGIN TO RECEIVE EMAILS LATE NIGHT AND TRIED TO CALL BUT IT WAS TOO LATE TO CONTACT SOMEONE FROM CHASE WHICH I EVENTUALLY DID EARLY THE NEXT MORNING. THE LADY TOLD ME TO COME INTO THE BANK WITH MY ID AND SS CARD AND BIRTH CERTIFICATE WITH MY PARENTS AND I DID. THEY TOLD ME THAT MY ACCOUNT WAS RESTRICTED AND WILL BE CLOSED IN 10 DAYS BECAUSE OF TRANSACTIONS THAT HAPPENED ON MY ACCOUNT THE PERSON DEPOSITED CHECKS FROM THE ATM AND WITHDREW MONEY THEY SAID USING MY PIN NUMBER. THE PERSON ALSO WENT TO THE WINDOW AND WITHDREW MONEY. I WAS NEVER EVER ABLE TO LOG INTO MY ACCOUNT AGAIN ONLINE. MY FATHER WAS ABLE TO LOG ONTO HIS ACCOUNT AND LOOK AT MY HS CHECKING ACCOUNT AND SAW WHAT TRANSPIRED. I HAVE NEVER DEPOSITED ANY CHECKS INTO MY ACCOUNT OR EVER WENT TO ANY WINDOW TO WITHDRAW ANYTHING FROM MY ACCOUNT. THE ACCOUNT WAS OPENED SO I CAN RECEIVE MY SOCIAL SECURITY BENEFITS. MY MOM CALLED ON XX/XX/2019 TO DISPUTE WHAT HAPPENED AND TO HELP ME PUT A CLAIM ON MY ACCOUNT. THEY PUT THE CLAIM ON THE ACCOUNT FOR THE ATM WITHDRAWALS. THEY DID NOT PUT A CLAIM FOR WHAT WAS SITHDRAWN AT THE WINDOW. I NEVER HEARD ANY RESULTS FROM THE CLAIM. MY SOCIAL SECURITY CHECK WAS DEPOSITED IN THE CHASE ACCOUNT ON XX/XX/2019. THEY KEPT THE SOCIAL SECURITY CHECK AND SENT A BILL DUE OF {$13.00} AND SAID THE ACCOUNT WAS CLOSED AND CHASE WILL NO LONGER DO BUSINESS WITH ME. MY DAD TOOK ME IN THE BANK AND PAID THE {$13.00} AND WE STILL HAVE NOT HEARD ANYTHING ABOUT THE RESULTS FOR ANY INVESTIGATION. WHAT I CAN TELL YOU IS THAT THE WITHDRAWAL SLIP MY NAME WAS SPELLED WRONG AND THIS HAPPENED AT A BANK IN NEW JERSEY IVE NEVER BEEN TO.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX ACCT. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Consumer complaint received 2019-05-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TRANS UNION CREDIT REPORT is not accurate. 
It reported collection by XXXX XXXX. 
I am not aware any collections. I was customer of XXXX more that 10 years ago. 
I had a dispute with them. Collection report is false.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Arizona XXXX.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX credit card with the address of a XXXX XXXX in XXXX.I never lived there, I never had a credit card at all.This is Transunion.Transunion score in over a year has not changed.I have asked questions, sent in multiple attempts to clear incorrect addresses as well as names.There has been zero reslove.I use XXXX XXXX.The transunion site requires a paid membership.i will not pay for a memebership.XXXXhas  yet to give me a score at all.i have made attempts to dispute items and ask ask to obtain my score.they sent a hard copy of what they have on file but zero score.I was a victim in the transunion & XXXX hack, it has taken me far to long to get just some of this figured out.And now everything is done online and requires a paid membership.What for?? So my information can leaked again and the headache right back.I have been denied credit, and some employment requires credit checks.I am not progressing with either transunion or XXXX.
Consumer complaint received 2019-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Equifax Credit Reporting XXXX repeatedly MISREPORTED my Student LOAN FROM XXXX THE LOAN IS IN FORBEARANCE, while another payment plan is being put in place so I get credit for NON Missed payments ... I have NEVER missed a payment on my student loan. IF the balance went up it is beacuse of the FEDERAL GOVERNMENT not me. I want to report EQUIFAX to the FEDERAL TRADE COMMISSION. This is the 3rd time they made negative commets on my XXXX XXXX report causing my credit to fall.This time it is 38 points. They are responsible for me not being able to get a better rent due to this score and I want them to be SUED for false reporting.Sued for destroying my life when I work hard to pay all my payments on time. I also must add that my credit balances have dropped consistently and EQUIFAX should be improving my score not lowering it. THIS IS WHAT EQUIFAX WROTE ON MY CREDIT REPOT ON XXXX XXXX 'XXXX DEPT OF EDXXXX Balance Increased by {$14.00} It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your DEPT OF ED/XXXX student loan account balance increased by {$14.00} from {$20000.00} to {$20000.00} '' .Please advise me as to what Government Agency could I report the dealings of EQUIFAX to. I have proof that they had no business saying I missed a payment to my Student Loan
Consumer complaint received 2019-04-29
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-04-29
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. (GA)

My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. 

I also have inquiries still reporting that should have been removed along with fraudulent inquiries reporting in my file. 

I am requesting your assistance in this matter as I have already emailed the CEO of Experian as well as several additional senior executives to get this issue resolved as well as submitted a complaint with teh XXXX. The fraudulent account to be deleted and blocked is XXXX. Also, since the XXXX payment history is inaccurate, it is ti be deleted as well.I have been battling with this issue for some time and have submitted complaints to the CFPB and XXXX  and also the CEO of Experian in hopes of getting this egregious wrong righted. 

Please see attached for the police report and supporting documentation.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted Capital One on XX/XX/2019 for a financial hardship so that once I get a new job, I will pay back at the normal payment amount. I did not have any late payment for the past 10 years with Capital One. The account specialist said that I could pay a minimum payment of {$50.00} per month for the next 3 months. I agreed with this payment plan. However, the issue was that Capital One report to credit bureau that I have missed the payment even after I have paid the first {$50.00}. Capital One did not explain ( mislead/misrepresentation ) to me what you could get and what they would do from their end. The end result was that consumer credit score will be lower and it will effect to their new job searching, rental, and other financial activity. If a consumer know that the end result was the same ( Credit card company report negative to credit bureau ) then why we have the payment plan at the first place. This kind of practice will harm the consumer more than help the consumer.