davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. 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. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

Dear CFPB team member, I have unresolved dispute issue with Chase. 
I applied for Chase XXXX rewards premier credit card on XXXX and was instantly approved. I waited for ten days and said credit card never arrived. On the XXXX of XXXX, I logged into chase.com and saw two unauthorized transactions on the card. I realized the card was in someone else 's possession and immediately called Chase Fraud Department. 
The two fraudulent transactions happened on the XXXX and XXXX of XXXX in XXXX XXXX XXXX str in the amount of {$1000.00} and {$1000.00}, respectively. 
A specialist in Chase Fraud Department told me that I wouldn't be liable for unauthorized charges and had these two pending transactions declined. The account was closed and I was issued a new card with a new account number. In 4 days, I could see these two transactions fell off of transaction list and completely removed from XXXX billing statement. 
Everything seemed to work out until XXXX. XXXX when those two fraudulent charges got posted to XXXX billing statement. I called Chase and asked why I was getting re-billed for these two once-removed unauthorized transactions. All they wanted was some document/receipt from XXXX XXXX store, where I have never been to in my life, to prove my alibi. I provided them all the documents I could gather and they still didn't think it was enough. They wanted me to prove a negative. 
I live in XXXX, NJ. The only places I've been to recently are XXXX XXXX and XXXX. Because of Coronavirus and stay-at-home order, I barely got out and drove in XXXX through XXXX, let alone drive across to the other side of New Jersey. 
It is possible that USPS might have delivered my newly approved credit card to a neighbor of mine, which i have no knowledge of. Apparently it fell into the hands of someone who really knows how to take advantage of a stolen credit card.

Right now, Chase is holding me responsible for these fraudulent charges. I was upset because I anxiously waited for the new card to arrive everyday for 10 days when Chase wouldn't even offer me a tracking number of the card delivery. And when USPS messed up my delivery, I am the one who has to bear responsibility now. 
I will attach some pictures to help better explain the situation. I have been a loyal customer of Chase for more than 20 years. My credit score is 800+ for more than 10 years. I have a Chase better checking account with more than 80k dollars in it. I can't believe this is the way how Chase is treating its customers. 

Best regards, XXXX
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (LA)

Credit Reporting Agency-Equifax has increased credit card balance for XXXX? Balance was previously reported correctly by credit card company as {$400.00}. New balance has been updated to {$850.00} which is completely incorrect? Credit card has not been used since last 2 statements. Issue with credit card limit increase from {$3000.00} to XXXX has been corrected.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Credit reporting agencies show medical debit on my credit report. Medical debit reported on XX/XX/2021 and reported on credit report. 
180 day rule violation. Credit reporting agencies are required not to report medical debits no less then 180 days so that consumers can resolve the debt.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

This company called Credit Management calls me repeatedly, at least 6 times a day. They refuse to tell me who they are or what they want other than a business matter. I have never heard of this company and have never done business with them. I also have never received any correspondence from them other than the phone calls. The first call this morning was before XXXX XXXX. The first few time man they called I tried to ask questions and was told until I verified my name and social they wouldnt answer anything, and they have cussed me and hung up at least twice when I ask questions. I have told them repeatedly that I have no business with them and to stop calling. I want this handled.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MA)

This is a continuation of prior complaint # XXXX I have spoken with the company Elan again several times plus received a written response to prior complaint. 

I have now verified, and the company confirms, that they are charging me {$530.00} for accumulated interest and fees due to a payment from XX/XX/2019 that they assert was 1 day late, and which I was never made aware of because the statements they have been sending me showed a XXXX balance. They claim that the XXXX balance showing up on the statements they have been sending does not reflect the actual balance as there were 2 'accounts ', even though I have only 1 credit card. The original late fee and interest charge was approximately {$50.00}. So they are charging me > XXXX the original charge, because I never paid it, because I never knew about it. 

The company so far refuses to issue a credit against this charge, even though I have been fastidious for 30 years and have paid for all purchases made within the billing period, so that until this incident I have never paid any late fees or interest. If they had communicated to me letting me know about the fee/interest charge at the time it originally occurred, I would have paid it then. Instead, they maintained the deception that I had a XXXX ' balance every month on the statement they provided. 

I feel this is a case of a deceptive business practice. The company deceptively sent me statements showing a XXXX balance when they were actually continuing to charge me interest on an 'unpaid ' balance that was hidden from me. 

Additionally they have been unwilling to remedy this situation with a fair solution which would be to credit me for the charges. I have faithfully paid for all purchases on time. The disputed charges are only interest being charged by the credit card company on a balance I wasn't aware existed because they deceptively reported my balance was XXXX. 

If they do not remedy this situation, I would have to recommend that others stay away from this company 1st because they were deceptive about what they were doing, and 2nd because they refuse to remedy the situation in a fair manner.
Consumer complaint received 2021-06-23
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (NY)

This complaint concerns Payoff ( https : //www.payoff.com/about/contact/ ) For the past several months, I have been receiving invitations from Payoff, via email and postal mail, to apply for a loan to pay off some or all of my credit card debt. These invitations have been accompanied by a unique invitation code, which I am asked to enter on their website to begin the process of applying for such a loan. Repeatedly over the past several months, every time I have entered my invitation code, my application is blocked with an unspecified error, and I am directed to contact Payoff via its live customer support chat. Each time I am told the exact same thing : that there is a " technical problem '' with my account, and that their " engineering team '' will look at it and that I will hear back from Payoff within a few days. Each time, this has NOT happened. Nobody ever follows up with me, either by phone or by email, or via any other means. The same issue has continued when I have attempted to email Payoff ( repeatedly since XXXX ) : I am told there is a " technical problem, '' the " engineering team '' will look into it, and that I will hear back from them ( yet I never do ). The same has also happened when I contacted their phone support. I spoke to them twice by phone, only to be told in the end that it is a " technical problem '' that their " engineering team '' needs to look into and that they will contact me. Again, they never have. Perhaps I shouldn't, as this poor level of customer service is a red flag, but I would like the opportunity to at least apply for a Payoff loan, but have found absolutely no recourse so far in attempting to do so.
Consumer complaint received 2022-10-18
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. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP (MI)

Congress Collections is attempting to collect a debt for unauthorized charges. The charges relate to XXXX XXXX I never received, including an x-ray. I paid all charges due at the time services were acquired at the XXXX XXXX in XXXX, but it appears that the office tried to send additional services for payment through my insurance. My insurance denied the charges and I was sent an invoice. I tried to sort it out with the office, advising that I paid for services at the time received and identifying charges for services reflected on the invoice that I didn't receive, but they didn't budge. This account is the only collection account on my credit report and damaging me financially. I would like for it to be removed from all major credit bureaus due to the fraudulent nature of the transaction.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX, I read an article which indicated that the student loan servicing company, Navient, cancelled {$1.00} XXXX in private loan student debt in 36 states including DC. Either knowingly or unknowingly, the Texas Attorney General did not enter into the litigation which unfortunately leaves me and I'm sure many other Texans excluded from what could've resulted student loan debt cancellation. 

These are the details of my loan : Loan Type PRIVATE Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$12000.00} Unpaid Principal {$13000.00} Unpaid Interest {$58.00} Current Balance {$13000.00} Interest Rate 10.000 % Interest rates on private loans are set by the lender. 
Interest Type Variable Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX As the co-signer, I have been paying on this loan for over 10 years and as you can see the balance is well of the original loan amount. This is predatory and I do not understand why it takes the Attorney Generals in each state to resolve something that should be resolved by the government for all the states. 

I am disheartened by what has happened and do hope there is something CFBP can do on behalf of people who reside in states that were not represented in the litigation. 

Below is the link to the article regarding the settled litigation with Navient : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

I received a letter from USBank lowering my credit limit from {$5000.00} down to {$2500.00} causing an alert from XXXX lowering my score negatively from XXXX down to XXXX. I have excellent credit, never been late on any credit cards and have stayed with-in the credit limit assigned. I have no collections or bankruptcy. I have a positive checking account and never missed a payment on any other bank product which were paid off as agreed. I've been a great customer. 
I have written several letters to USBank for help and an explanation but to no avail. I have made several calls to customer service, they put me on hold for supervisors and never come back. I was denied an important work contract because my credit character is compromised because of my low XXXX score. I am now viewed as a dead beat, out of work for no apparent reason whatsoever.
Consumer complaint received 2021-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-02
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. (NJ)

I have sent multiple letters to XXXX, XXXX, and Equifax about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly XXXX and equifax are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper investigations and are just pencil whipping their responses they need to be held accountable for these violations
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WI)

PayPal Credit opened an account in my name on XX/XX/2020 with an initial charge of {$1500.00} -- but I knew nothing about it until I pulled my credit report on XX/XX/2020. The company 's customer service wasn't open until the morning of XX/XX/2020 when I contacted them to report fraud. They opened a case but they weren't very helpful ; they only said they have 60 days to respond to the claim. They did tell me it was opened with an address that was mine 6 years ago, using a telephone number that I've had for many, many years. All that was needed to open the account was name, address, telephone, an email address and the last four digits of my ssn. 

I only happened to pull my credit report that day because I was applying to refinance my mortgage at a rate of 2.375 % - a substantial savings over my current rate. I can't qualify for the refinance until this bogus account is off my credit report, and I'm afraid PayPal Credit isn't going to give me any timely satisfaction. 

Can you help get this corrected soon?
Consumer complaint received 2020-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

I have been a longstanding Wells Fargo customer since XXXX. I applied for a personal line of credit XXXX. I was making monthly payments which included a automatic payment discount. XX/XX/XXXX, I was laid off from my company after 20 years. In XX/XX/XXXX, I called Wells Fargo regarding my upcoming payment due XX/XX/XXXX as I knew that I would not be able to make the payment as my severance was exhausted and I would have to seek unemployment assistance. Since my account was current, no one wanted to work with me. I was assessed a late fee and NSF fee for that month. In XXXX, I called again to get the payments from auto pay because I did not want to continue to be assessed a NSF fee. I was at the time given a payment extension. Due to Covid-19, I was given another extension until XXXX. Now, I am set up to pay but was told they could not waive the NSF fee nor would I qualify for the relationship discount of 0.25 %. This doesn't in any help customers who want to pay but because of hardship are not able to. I wasn't fired. I lost my job with no fault of my own. As I am now trying to get back on my feet. It would seem to me that Wells Fargo would be more understanding considering all the heat they have taken over the years for their own wrongdoings. A fee is above/excess what is due. They make billions on fees. I am not asking for anything unreasonable, just being fair. Or just showing real customer service. Customers want help when they need it.
Consumer complaint received 2018-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

My mortgage has been services by Loan Care, XXXX XXXX XXXX, XXXX XXXX, VA XXXX since XX/XX/XXXX. I attempted to log into their system in XX/XX/XXXX to make a payment. The system would not allow me to log in using the credentials I had been using for the past 11 months. When I contacted Loan CarXXXX they would not explain why I was unable to log in. Someone was supposed to contact me to resolve the system issue but no one never contacted me. Today, I again attempted to log in and was still unable. When I contacted Loan Care again, I was told by their Customer Service department multiple people were unable to access their online accounts. I am concerned based on what seems to be low levels of security as well as the fact my access and other customer 's access was shut off that they may have breached. I would appreciate it if someone would be able to investigate my concerns.