davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MN)

I recently had my loans transferred to XXXX after applying for the PSLF progam. I submitted my application in XX/XX/XXXX. My loans were transferred from XXXX to XXXX in XX/XX/XXXX. When I received my first bill from XXXX it said that I had made 0 qualifying payments for the PSLF program even though I have been repaying my loan since XX/XX/XXXX. I called XXXX in XX/XX/XXXX to see why there were no qualifying payments and they said that they would open an investigation, but that it could take 60 - 90 days to get the information and add it to the account. 
I called XXXX again on XX/XX/XXXX to check on the status of their investigation. I was told that it was still an open case. I asked to talk to a manager so that I could get a better understanding of where they were in the process. The manager told me that 60 - 90 days is not possible and it may take two years to determine the number of qualifying payments being made. Meanwhile, they have not even counted the payments I have made through XXXX as qualifying payments. 
Obviously, I am shocked by the two year wait time. We are supposed to resubmit verification every year, but it takes two years to process? I am extremely concerned that the payments will not be counted, that I am on the wrong plan or that when my ten years of payments are made it will take a few more years to process. If payments are not being counted, I can not wait two years to find out. I am a XXXX XXXX XXXX and the cost of my loans is excessive.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.
Consumer complaint received 2017-06-22
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. (NY)

On XXXX XXXX my card was charged 5 times {$960.00} for " XXXX XXXX XXXX bill Payment '' for a total of {$4800.00}. These charges are outright FRAUD - I never had any business with them either. Coincidentally ( or not.. ) Chase abruptly closed ALL my accounts with them by the time the charges posted to my account ( XXXX XXXX ) and before the statement closing date. When I called Chase card services to report fraud and being transferred from rep to rep, I was advised that since my account is closed they could n't access my account to report these charges, and I need to mail or fax in to correspondence dept. I did exactly that, faxed a brief explanation of the fraud charges including my account and contact info along with a copy of the statement outlining the charges in question. More than 4 weeks passed and no answer or update to my account - the charges are still there and accumulating interest. On XXXX XXXX I called chase to get an update on those fraud charges, after all transfers I ended up speaking with XXXX from XXXX, supposedly a supervisor from senior support specialist - the only ones that can access my account - and her resolution was NO MORE OR LESS, that since my account is closed, AND their department ca n't report fraud AND the fraud department ca n't access my account, It 's tough luck ( on?? ) and the fraud charges are staying on the account!! It sounds crazy but this is reality.
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

This is about my enrollment through XXXX. When I first enrolled at XXXX back in XX/XX/XXXX, I had no idea what I was getting myself into. I came in for a visit and by the end of that visit I was an enrolled student. I was pressured by the end of my visit into signing up for classes. The rushed my financial pack, which they completed everything on their own. I had no I idea about and interest rates and what I would be paying. I was blind sided coming, and the same exact reasons the CFPB is suing XXXX tech are some of the same issues that I have experience. I have been paying up to date in good faith, because yes I did attend the school so I have no issues paying. I first filed a complaint back in XX/XX/XXXX. But I believe there should be a better resolution. My loans are now through Navient. Because XXXX used high pressure sales tactics I believe there shoud be a better resolution.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I bought a Laptop from best buy for about {$1400.00} in XX/XX/XXXX, I was told if I opened a credit card I would get 1 full year to pay it off without interest after making over {$1200.00} of the payment leaving only a balance of {$200.00} I was unable to contact them. I called over 20 times and they were unable to find me in the system to make a payment. I received a letter via XXXX in XX/XX/XXXX stating I owe close to {$600.00} I called again and they were unable to find me. after giving them all my information many many times they realized that my social security number and phone number and name are all incorrect after figuring out the right information I requested they fix the issue so I can make a payment of about {$200.00} or even {$250.00} that said they will not drop a XXXX down and want {$600.00}.
Consumer complaint received 2016-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I received a forberance on my loans last spring. XXXX 2016. When i saw i was recently reported the last few mths for non payment i contacted the Fed Loan Servicing center and my info was not entered correctly on the fed loan side. The women i spoke with stated shefixed the error and suggested i file a dispute. They will correct the statemenr of multiple late payments.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Since XXXX the three main bureaus primarily Equifax hindered sending me my updated and complete bureau reports. 
I am XXXX, publicly assisted and feel violated by the childish games they with phone banks being transfered to out of the united states customer services agents.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC (GA)

I am currently in chapter XXXX. The HOA stating I owe money for past due association fees which are connected to over 15 FRAUDULENT LOANS CONNECTED TO XXXX XXXX, There is a claim within the XXXX listing a XXXX total. I want the validation of debt sent to me since I am pro-se. 

Also, the representing attorney was reported for unethical conduct.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (GA)

Greetings, My name is XXXX. This is simple really, I had to have a replacement card sent to me because I lost my previous card. I have already paid off the account, pictures are bellow ) and they still have this lost card under my closed accounts. I need all the the room I can get in my credit report. Im a XXXX year old XXXX XXXX XXXX moving out XX/XX/XXXX. Thank you very much for anything that you can do. XXXX bless.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WA)

When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (FL)

I REQUESTED A PAYOFF FOR MY MOBILE HOME FROM DITECH MORTAGE WHEN LOOKING AT THE PAY OFF SUMMARY THERE WAS XXXX THAT THE MORTAGE COMPANY INCLUDED IN THE PAYOFF THAT COULD NOT BE ACCOUNTED FOR. WHEN ASKED THE REP COULD NOT TELL ME WHY. SOMETHING TO DO WITH THE INTEREST RATE. BUT AFTER EXPLAINING TO HER THAT WE A FIXED RATE SHE STILL COULD NOT EXPLAIN WHY
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Customer Service Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint regarding discriminatory practices and failure to release XXXX XXXX XXXXXXXX XXXX deposits Dear Sir/Madam, I am writing this letter to express my deep dissatisfaction and frustration with the discriminatory treatment I have been subjected to by your bank, Chase Bank. As a loyal customer, I have recently encountered significant issues regarding the handling of my XXXX XXXXXXXXXXXX XXXX XXXX deposits, which has resulted in severe financial consequences for me. 

For the past year, I have consistently deposited my XXXX XXXXXXXX retirement check into my Chase Bank account. However, to my dismay, your bank has repeatedly held these deposits without any reasonable justification. This unwarranted holding of my funds has caused my account to become overdrawn, leading to numerous overdraft fees and negatively impacting my credit rating. 

In an attempt to resolve this matter, I have made multiple visits to the local XXXX branch and met with the branch XXXX over the last few months. According to your bank 's policy, we have utilized a XXXX release deposit slip to expedite the processing of my XXXX XXXXXXXX XXXX  check. Regrettably, despite our repeated efforts, this issue remains unresolved, and the undue delays in releasing my funds have persisted. 

This treatment raises serious concerns about the integrity and fairness of your bank 's practices. I strongly believe that I am being discriminated against due to the nature of my state XXXXXXXX XXXX  check, as I have not encountered similar issues with any other forms of deposits made to my account. Such discrimination is not only unethical but also goes against the principles of equality and fairness that should form the foundation of any reputable financial institution. 

I kindly request that you thoroughly investigate this matter and take immediate steps to rectify the situation. Specifically, I expect Chase Bank to release my XXXX XXXXXXXX XXXX  check deposits without any unnecessary delays henceforth. Additionally, I urge you to compensate me for the financial losses I have incurred due to the overdraft fees and the negative impact on my credit rating, as a direct result of your bank 's actions. 

I have always considered Chase Bank as my trusted financial partner, and it is disheartening to find myself in this distressing situation. I sincerely hope that you will address my concerns promptly and provide a satisfactory resolution to this matter. Failure to do so may force me to explore alternative banking options and take appropriate legal action to protect my rights. 

I appreciate your attention to this serious issue and look forward to a prompt resolution. Please acknowledge the receipt of this complaint within XXXX business days and provide me with a timeline for the resolution process. 

Thank you for your immediate attention to this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank. I am over due paying my credit cards. I admit that. They are calling at least 10-15 times per day. I have screenshots of calls that are coming in 4 in a row within a matter of 20 minutes. This happens several times a day. They come from all over the US. For example. Just today I have received calls from XXXXXXXX XXXX XXXX in between those have been 3 unknown numbers starting at XXXX Between yesterday and Wednesday all of these calls were received by XXXX ( yesterday ) XXXX and then I blocked them. Wednesday it was same number XXXX. In between all of those came calls from XXXX. I was hit by a XXXX XXXX and can no longer work. We have been waiting for XXXX for almost 2 years. I just need the calls to stop. I am stressed enough and I have nothing to offer or pay. We are well below the poverty level. I went from a full time good job to nothing.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (MO)

My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}
Consumer complaint received 2024-08-29
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. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Hello, My complaint is fairly simple so forgive its brevity : The equifax corporation has not supported credit freezes through their website as required by law in that their online login system to do so has been down since at least XX/XX/XXXX, that i can prove here. 

My several attempts to contact the company regarding this are met with an admittance that this is a known issue but no timetable to completion of a fix and no really interest in allowing me to talk to those who might be able to fix it.
Consumer complaint received 2018-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FUTURE FINANCE COMPANY (IL)

Basically since we had got the loan the car has needed work after work so paying car note plus put money in the car so it works is to much. We pay car loan every month even if late 1 or 2 weeks it gets paid plus late fee is paid. They call and threaten u after 1 week of being late saying they are taking the car i could see if a person doesn't pay a loan at all but a week or 2 behind? We got a call from them on XX/XX/2018 about late payment and car would be took car payment is due on XXXX every month. We called them got real bad attitude from two different people who work for them both time hung up phone on me. We have had the car around 4 to 5 months now and payment is always paid before XXXX of month. Company is future finance in XXXX XXXX Illinois
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (ND)

I took out a loan from XXXX XXXX, through Synchronicity Bank. It was supposed to be no interest and no payments for 6 months. They incorrectly reported it late on my credit. They said they would remove it, but it 's still not off and is causing me issues.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.