davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I filed a complaint about Citi bank credit card, complaint XXXX, it was close by Citibank without me ( the consumer to explain his side of the story. I received two letter from Citibank XXXX XXXX ( Executive Response unit ) XXXX I have been calling once a week for over two months with no return call. Telling again that Big Banks run the world and the consumer are just victims As a Veteran and Senior I am very sorry I fought for the United States to be free and have freedom
Consumer complaint received 2024-10-14
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. (FL)

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CO)

I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IA)

I received multiple daily calls from navient beginning in XXXX. Navient continued to email my work email after I submitted XXXX response emails requesting not contact my work email address although they continued to contact my work email address soliciting payments. I have submitted XXXX complaints to the states XXXX regarding the total disregard of my written request for navient to stop contacting my work email address. The last straw was when I received a email request to postpone my student loan payments on XXXX XXXX, 2016, in which I replied yes, then reiterated for the third time not to contact my work email address. On XXXX XXXX, 2016, I received a email stating that my forbearance was approved. On XXXX XXXX, 2016, I received a email stating that my forbearance is ending. I my response is literally " unbelievable. '' Never once was it discussed regarding the student loan forgiveness program. I worked in a civil service capacity for over 8 years.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted Transunion regarding several inquiries ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) that were on my credit report, those of which I did not sign a contract with these creditors for their service or their products.
Consumer complaint received 2017-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against Transunion for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address XXXX, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have contacted Bayview Loan Servicing XXXX on several occassions to request that their records be updated to reflect my current loan status. The company has recently refused to speak with me or provide account information. The company has also failed to remove erroneous data from my credit reports. A copy of my recent correspondence to Bayview with more details is attached.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (LA)

Received an introductory no interest card from citi diamond preferred. First payment was due XXXX 2016. As of XXXX four payments were due on account. Four payments were made. Statements requested multiple times but seemed to " not get to me ''. Since I was not receiving statements I simply made payments before I knew they were due. Again, four payments within four payment months due. Apparently a payment was received too EARLY so was applied to my balance BUT NOT MY NEXT PAYMENT DUE. Of course since I was n't receiving statements I assumed it would be applied. Finally received a statement for bill due XXXX XXXX on XXXX XXXX. Had a late fee applied, even though I had paid 4 out of 4 payments due ... and more than the minimum due on each. Called customer service and was told the payments were improperly applied because it was made too ealry but a request to remove late fee would be made and removed within 3 days. When it was not I called back again and got another story. At which time I was given a XXXX dollar inconvenience credit and to, d to make an additional payment then call back to have fee removed. Made an additional payment as advised and called back a third time and was told fee could not be waived. Is this legal for them to misapply payments because they are made too ealry ... .especially when they are obviously holding statements in hopes of gaining something to make up for the interest free status in the account. Seems like a crooked underhanded way to get extra money when they see someone is paying in spite of them not sending statements.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TN)

On XXXX XXXX, I logged into to my account with XXXX XXXX and noticed that my score had dropped significantly. When I clicked on the factor it showed that there had been an account turned in to collections. The said account was for a pay day loan from a company called XXXX XXXX XXXX, and was turned over to Midwest Recovery Solutions, who had turned the account over to collections. I have never heard of XXXX XXXX XXXX and do not have pay day loans. I have received no written correspondence of any kind from either company. The first I 've heard of both companies was when I saw their names on my credit report. I have filed a direct dispute with them through XXXX XXXX, but I felt that I should also file a complaint.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This company has contated me regarding a debt. They did not provide any information, but instead asked for my information to validate debt. Additionally, I have verified with the State of Florida Office of Financial Regulation said company is not licensed to collect debt in the State. Their license XXXX was revoked. I am asking that they have said unverified accounts removed from my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting 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. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed Experian consumer profile, there is a fraudulent / unauthorized inquiry listed : XXXX XXXX XX/XX/year>. I, XXXX XXXX am hereby notifying you that this inquiry is fraudulent and neither on that date or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am writing to you to express my concern about the lack of responses to my queries. I have been waiting for a response for over XXXX  days and unfortunately I have not received any update.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (GA)

I do NOT have a signed contract nor any contract with XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Academy Mortgage Corporation (UT)

I received an email from one of the lenders I 've been considering. It said ( among other things ), " The next step in the process is for you to Esign your Initial Loan Disclosures. I have also attached a pdf format for you, that way if you want you can print and sign them and then send them back to XXXX and I. '' The PDF that they attached contained sensitive personal information, like my SSN and financial history. However, the PDF was not encrypted. I 'm concerned that this lender is regularly transmitting such sensitive information in a careless way, not taking the appropriate steps to keep their client 's personal information secure. 

I responded with my concerns, quoting guidance provided on the FTC 's website ( https : //www.ftc.gov/tips-advice/business-center/guidance/financial-institutions-customer-information-complying ) regarding transmitting information over email. A colleague of the original sender responded to me with, " XXXX should be sending these documents Encrypted. We have a system in place for this. We will make sure he does this starting Now. ''
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.