davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

About XXXX years ago I enrolled several credit cards with dept totalling about $ XXXX with a debt relief agency. The debt has been resolved on all but one card. This enrollment reduced my credit score to XXXX from the mid XXXX. I have faithfully been paying {$1400.00} each month since then. 

I have three CHASE cards, two of which I always pay the balance each month ; one is a Amazon card. One card has half a dozen chargses that are automaticaly applied each month. The third card has a balance of about {$1800.00} that I am paying off slowly. Never a missed payment on these cards! 

CHASE decided to close each card account based on : ( 1 ) balance owed on revolving accounts too high ( 2 ) credit report shows judgement, tax lien, public record, or collection of accounts currently in use. 

I am slowly paying off my debt, yet during the covid crisis, CHASE decides to take such a drastic step, which is a major inconvenience. I have a XXXX Bank, two XXXX cards and a XXXX XXXX card, all responsible managed. Whats to stop these banks from closing my accounts? These banks should not be imposing such additional burden on those of us in the bottom 90 %, especially during this economic crisis. 

Please do what you can to help those of us in a similar situation to remain afloat during this difficult time.
Consumer complaint received 2020-03-31
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. (FL)

I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.
Consumer complaint received 2020-03-30
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)

Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount :  {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.
Consumer complaint received 2019-02-15
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: EQUIFAX, INC. (CA)

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-03-31
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. (GA)

Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I had appealed my property tax value and was expecting to receive a refund from the county tax assessor for {$1500.00} from my XXXX property taxes. However, because my property taxes were paid through my mortgage payment the county erroneously sent the refund to Wells Fargo on XX/XX/XXXX. When I requested that they put the refund in my Wells Fargo checking account, they denied my request and kept the refund as a credit towards my future property tax payments. Which were also going to be reduced and would create an excessive credit balance going forward.
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AK)

on XX/XX/XXXX amazon store card through synchrony bank, withdrew a payment from one of my accounts for XXXX, which was the full balance on my amazon card. I didnt wish to or choose to pay my balance in full, only pay a standard payment of {$100.00} dollars. I contacted them and they refused to admit any fault on their part or help in any satisfactory way. this payment they took caused my bank account to go over {$1200.00} in the negative, which was a hardship and prevented me from paying any of my other debtors. I contested the charge through my bank on XX/XX/XXXX, and they found that this charge was an error and the money was returned to my account. after this happened, I made my account through synchrony/amazon current as far as payments go. Today, on XX/XX/XXXX, I recieved a letter from synchrony, stating that they reduced my credit limit from {$6000.00} to {$1700.00}, which is barely over my current balance with them. This seems like a retaliatory action on their part, and it will adversely affect my credit score, I had used this card for quite some time with no problems until recently, with even higher credit to debt ratios on this account and others.
Consumer complaint received 2022-02-04
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. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Bankruptcy # XXXX and Bankruptcy # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-03-31
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)

Failed to remove and block items listed on FTC report within the prescribed time period. Credit Reporting Agency did not resolving the issue.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MD)

I opened a credit card with XXXX. I bought XXXX in merchandise with the new credit card and then paid the credit card balance off right away before I left the store ( XX/XX/2020 ). The associate then charged {$10.00} on the credit card without my knowledge and there is no documentation of what I purchased for {$10.00} on the bill. I was unaware that she had done this and Never opened my statements because I believed that I had a XXXX balance. When I opened the statement there were late fees and I had been reported to the credit bureau with a negative impact on my credit score. XXXX credit card is managed by Comenity bank and they say that they can not correct the error.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

Years Citibank said they couldn't find my account. Then I found several frauds. They were supposed to mail me a check 3 months ago. I went to XXXX XXXX branch to confirm address where check was sent and they can not confirm. Branch Mgr XXXX XXXX said she or XXXX XXXX would email me-I can not get through phones and no one is responding via email as they promised. Check should be mailed to same address as CFPB Complaint.
Consumer complaint received 2022-04-26
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: GOLDMAN SACHS BANK USA (CA)

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA 605B THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. 



Apple Card/GS BANK USA  - OPEN XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXXXXXX XXXX - OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

Citibank has called me 35+ times since XX/XX/21 ( I have all call logs ) My account at the start of the calls was past due {$170.00} for 14 days. A day or two after the initial contact from them, I tried to log into my online account. They had locked my online account, so i was forced to call them so they could coax me into making a " promise to pay ''. While on the phone with them, I informed them how many times they had called me and I only received a " I'm sorry, sir ''. I pressed the issue informing them of how ridiculous it was to receive on average 3 phone calls a day ( somedays they called me as much as 5 times in one day ). After doing a bit of reading, I found out that this interaction may be considered harassment and I wanted to file my complaint and await the next steps.
Consumer complaint received 2019-02-16
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)

My husband and I were scammed by an online affiliate marketing company, XXXX ( XXXX XXXX XXXX XXXX ) for over $ 100k. We purchased the top tier affiliate position, which they called XXXX the end of XX/XX/2018, which included over 30 hours of coaching. We were just getting started learning the business in XXXX, when our coach strongly urged us to purchase 100 names with contact information of people who had purchased the entry level ( least expensive ) products from XXXX for {$230.00} each. We were told these would be great leads to launch our business. We made the purchase, charging $ XXXX to our Citibank card and $ XXXX to a XXXX XXXX XXXX card. As we attempted to communicate with the 100 individuals, it became apparent that they were not strong leads, as 13 people requested refunds for the XXXX product they purchased, 10 were reported to XXXX 's support department for fraud or other issues and 29 were uncontactable. And judging from some of the comments from those we did hear from, they did not give XXXX permission to sell their contact information. 

On XX/XX/18, the Federal Trade Commission shut down XXXX 's operations, froze their assets, disabled their websites, and placed gag orders on their employees. They were essentially out of business in the US. With this action by the FTC, the 100 names we had purchased from XXXX XXXX XXXX XXXX ( a  division of XXXX ) were totally worthless to us. There were no products available to promote. We filed claims with both credit card companies. Citibank denied the claim twice. My husband and I are both retired seniors who have been victimized.
Consumer complaint received 2020-03-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (TX)

recently a collection appeared on my credit report from XXXX  XXXX XXXX. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.
Consumer complaint received 2020-03-31
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. (TX)

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through XXXX XXXX. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, XXXX XXXX began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which XXXX XXXX declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see XXXX XXXX failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to Equifax and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to Equifax and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from Equifax and XXXX, but returned a short time later without any form of communication from XXXX XXXX. I continued to dispute the account through XXXX, but I still did not receive any correspondence from XXXX XXXX. Once again, the account was deleted from Equifax and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by Equifax Mortgage in reference to verifying the account as charged off, XXXX XXXX   changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and XXXX XXXX conveniently changed the account again this time only with Equifax to show 90 days late XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (TX)

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
Consumer complaint received 2019-02-15
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. (FL)

I am having problem with Experian Credit Bureau and XXXX I sent so many letter and XXXX  send me the result and the stuff was remove and those two credit bureau refuse to remove all I am getting from Experian verified updated and meanwhile XXXX  is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my XXXX   and Experian credit report and they refuse to remove it please update it between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was removed also from my XXXX  credit report and Experian and XXXX  still have it in the system please remove it was removed from between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( medical Group XXXX  was removed XXXX XXXX XXXX was removed ( XXXX XXXX XXXX
Consumer complaint received 2020-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank are refusing to enforce the Fair Billing Credit Act regarding my dispute under MasterCard Chargeback code XXXX. 

And has reported such transaction to the credit bureau.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I opened an account with Loan Care in XXXX of 2018. I wait for a welcome packet or something to state when my payment was due. I never received that payment date. When I called Loan Care they old me I " slipped through the cracks '' and they would send me a payment slip. It never came. 
I began making payments and called them because I was worried and they told me that it was too late and my payments were already late. I told them that was unfair but they said they couldn't do anything about it. 
I have made every payment on time since I attempted to correct this issue, but the continue to mark me 30 days late. 
I don't feel that I am at fault for " slipping through the cracks '' and every late payment should be removed.