davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
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. (FL)

On XX/XX/XXXX my credit score with Equifax was XXXX and today it is XXXX. On XX/XX/XXXX it dramatically dropped to XXXX and since it has dropped all the way to XXXX. I have not had any negative remarks added to my credit file during this time. I do not owe anyone any monies since this date or even before. I do not have a clue what they are doing but it seems like their business model and whatever they use for a standard is not being compliant nor it is even consistent with the two other major reporting companies. I find this odd as I have never in my life ever had a loan of any kind, nor have I ever opened any type of credit. There is no reason for my credit score to drop like this, if anything it should have gone up. I have contatced them and they will not give me any explanation as to why this is happening. It is bad enough that these services are used to prey on people and in all reality are not even close to judging a persons characher period.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I made a XXXX EUR ( {$70.00} ) prepaid online reservation at XXXX on XX/XX/2018 for a 7-day car rental with my XXXX credit card from J. P. Morgan Chase Bank. 

Upon return of the car on XX/XX/2018, XXXX issued a Final E-Bill in the amount of XXXX EUR ( {$12.00} ), which I signed, to settle all the pending charges related to this car rental. 

11 days later, on XX/XX/2018, I noticed a XXXX EUR XXXX {$200.00} XXXX charge on my credit card from XXXX. As the Final E-Bill was in the amount of XXXX EUR XXXX {$12.00} ), I was overcharged {$190.00} ( XXXX EUR ). 

I had to dispute this overcharge ( {$190.00} ) several times with J. P. Morgan Chase Bank, but eventually, I received a letter dated XX/XX/2018 from J. P. Morgan Chase Bank ( please refer to the attachment ) advising me that my dispute had been resolved and a permanent credit in the amount of {$190.00} had been issued and would remain in my account. 

However, several days later, I received a misleading letter from J. P. Morgan Chase Bank requesting me for documentation regarding this dispute, which I thought was a mistake / mixed correspondence as this dispute had already been closed. 

I called on XX/XX/2018 at XXXX to J. P. Morgan Chase Bank and explained the situation to the Chase representative ; he advised me to send a fax to Chase attaching the letter I had received dated XX/XX/2018 stating the dispute had been resolved and a permanent credit issued in the amount of {$190.00}. Chase could confirm this call as it must have been recorded. 

I then sent a letter as advised by fax on XX/XX/XXXX at XXXX to the XXXX. Find attached a copy of this fax as well. 

However, on XX/XX/XXXX, I noticed J. P. Morgan Chase Bank had rebilled me {$190.00} so called in and the agent and supervisor was unable to find the letter dated XX/XX/XXXX with a permanent credit for {$190.00} and the faxed documentation on XX/XX/2018. 

I then sent a secure message to Chase on XX/XX/2018, complaining about this and requesting them to honor the {$190.00} previously notified and issued permanent credit. 

I find all of this unacceptable. I received a written notification from J. P. Morgan Chase Bank dated XX/XX/2018 in my mail that my dispute had been resolved and a {$190.00} permanent credit had been issued and would remain in my account. 

Therefore, I request J. P. Morgan Chase to follow through their previous letter / notification, and reapply the {$190.00} permanent credit in my account. 

I find any other response unacceptable. This dispute was resolved and settled per the letter issued by J. P. Morgan Chase Bank on XX/XX/2018. 

Thank you
Consumer complaint received 2018-09-10
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. (PA)

On XX/XX/2018 I notified Experian that the account information listed for XXXX on my credit report was inaccurate. It was the wrong credit card number and wrong credit card limit. 

On XX/XX/2018 Experian updated this infomation but there was no changes to my credit report for this account. 

I sent another dispute by mail and on XX/XX/XXXX. Experian said this information has been verified as accurate and that no further disputes will be processed. 

This account has been since been deleted from my XXXX  report and also my XXXX   reports. 

Experian fails to remove this inaccurate account from my credit file.
Consumer complaint received 2018-09-10
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)

XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/XXXX.
Consumer complaint received 2018-09-10
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)

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (IL)

This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report this account.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

I received a letter from Navient dated XX/XX/XXXX, stating that my deferment begins on XX/XX/XXXX. Mr credit report reflects that I was 90 days late in XX/XX/XXXX. There is no way I could be 90 days late in XX/XX/XXXX if my deferment started in XX/XX/XXXX. I have tried to rectify this with Navient but was denied. This is an outstanding issue on all 3 credit bureau 's and i am requesting this be corrected. My letter reflects all of my student loan accounts had a deferment as of XX/XX/XXXX. The letter clearly states in the body that the deferment began in XX/XX/XXXX, but Navient responded to me stating it began in XX/XX/XXXX. This is clearly an error on the loan servicer 's end.
Consumer complaint received 2018-01-24
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. (TX)

I have an inquiry from XXXX on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted XXXX 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I made my final payment on this credit card ( XXXX XXXX XXXX a XXXX XXXX XXXX ) credit card, I was left with a XXXX balance. This company held that payment for 3 days just to make me late and charge a late fee. Knowing that I had a XXXX balance and never went on this site again till XX/XX/XXXX when I noticed what they did. Hold my payment and charge late fee in XX/XX/XXXX and XX/XX/XXXX. They refunded one but they need to refund both which they did n't do. Scamming Hurricane victims out of money is wrong. This bank needs to be stopped from holding payments and putting it thru just to collect late fee 's.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

I have a charge for {$500.00} from Ad Astra ( a collection agency ). I have been a victim of identity theft. I never applied for this loan. I have made this clear to this company. But they demand payment. Ive even asked if I settled if theyd delete it from my credit report. Ive attempted to have this taken care of. Yet, this company refuses to work with me.
Consumer complaint received 2018-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I had a different account at coinbase that had money in it. My phone got torn up so I was unable to retrieve my account without a two-factor authentication code which could only be used on my phone which i did not have. i had a different phone that was not linked to this account. So i called the company and they said there was nothing they could do at this point, they would have to have their specialists look at it. which they did not! I even gave them the new phone number so the money could be transferred to a new account with my new e-mail. Ive have called numerous times since this happened and they give me the the run around. that they need a specialist to look at it and there is nothing they can do at this time. How long does it take to transfer money into a different account. Ive went to the hospital to deal with my XXXX and XXXX this has caused me. I just want my money back, even though its ony {$110.00}. They have caused me to lose money when cyptocurrencies started to go down.
Consumer complaint received 2018-01-24
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. (AZ)

I am a victim of identity theft. XXXX and Experian permanently blocked the following fraudulent accounts from my credit report between XX/XX/XXXX- XX/XX/XXXX, but the fraudulent accounts has reappeared on my credit report : XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. The fraudulent and unauthorized accounts dont belong to me. I been receiving harassing and threatening phone calls at home and at my job from debt collectors from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$7000.00} and XXXX/XXXX XXXX XXXX {$420.00} for over 2 years. The debt collectors continue to call me before XXXX XXXX and after XXXX XXXX  The debt collectors/representatives from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX, has used profanity, obscene and vulgar language, made death threats, threaten me with legal action and being arrested. I have sent numerous letters in writing for over 2 years via USPS by certified mail, requesting for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX to cease and desist all communication and correspondence with me, but the creditors continue to contact me, even with my name and phone number listed on the Federal/National Do Not Call List. Egregious conduct has been committed by the above debt collectors, and is a clear violation of The Fair Debt Collections Practices Act ( FDCPA ) U.S.C. 1692 under Federal law. I will be taking legal action against the above debt collectors for violating The Fair Debt Collections Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK (TX)

Gateway Mortgage Group , LLC misled me about qualifying for a home loan. 

In XX/XX/2017, I was pre-approved for a {$140000.00} VA home loan with XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I am unemployed and my only income is my XXXX XXXX  pension ( {$1700.00} gross monthly income ). I have no debt except my credit cards which I pay in full each month. 

On XX/XX/2017, I signed an agreement to purchase a home for {$210000.00} and provided a copy of the contract to XXXX XXXX XXXX XXXX. I liquidated most of my retirement investments ( {$80000.00} ) for a down payment to purchase the home. 

On XX/XX/2017, XXXX XXXX ( XXXX XXXX XXXX XXXX Loan Officer ) informed me that the loan was being passed on to one of their " sister '' companies " Gateway Mortgage Group '' in XXXX XXXX TX, because they could not process my VA loan. 

On XX/XX/2017, XXXX XXXX ( Gateway Mortgage Group Loan Officer ) instructed me to fill out a new loan application on-line. Immediately, Gateway Mortgage Group pre-approved my home loan for {$140000.00}. 

On XX/XX/2017, I received a copy of the loan application for my signature. I noticed some discrepancies on the application such as my loan was now a conventional loan instead a VA loan ; my gross monthly income was higher than the amount on my monthly income statement ; and the total amount of my assets was more than double the amount I reported. 

Before I signed the application, I contacted XXXX XXXX about the discrepancies. XXXX XXXX told me it was common practice to increase the monthly salary amount ; the type of loan did n't matter because of the size of my down payment ; and the total amount of my assets would be corrected. XXXX XXXX told me to sign the application and she would correct the total amount of my assets in the system. 

On XX/XX/2017 -- 3 days before the scheduled closing date -- XXXX XXXX informed me that she failed to verify the property taxes on the home I was purchasing. As a result, I no longer qualified for the conventional loan unless I increased my down payment. I informed the XXXX XXXX that I could not increase my down payment. XXXX XXXX stated I qualified for a VA loan ; however, the process would take another 30 days and I would have to pay for another home appraisal. 

On XX/XX/2017, I filed a complaint with Gateway Mortgage Group Corporate Office in Oklahoma and requested reimbursement for the money I spent due to XXXX XXXX 's negligence. Gateway Mortgage Group refunded me the home appraisal fee, but did not reimburse me for the other expenses -- claiming the expenses are " out of Gateway 's control. '' Despite their claim, it does n't change the fact that Gateway Mortgage Group misled me about qualifying for a loan and should be held liable for their actions. Further, Gateway Mortgage Group can not claim they hold " a high standard for Customer Experience ... '' when I was duped by their loan officer. My first-time home buying experience was horrible.
Consumer complaint received 2018-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Finance Co., Inc. (TX)

Mid Atlantic Finance Company is claiming I owe {$1900.00} on a XXXX XXXX XXXX and are offering a settlement for an XXXX year old debt that does not belong to. Account XXXX and no proof of debt validation
Consumer complaint received 2018-01-24
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)

ON XX/XX/XXXXI SENT EXPERIAN AND XXXX XXXX XXXX A CERTIFIED NOTICE OF A OFFICAL CONSUMER DECLARATION OF COMPLAINT OF NOT PROVEN COMPLETE, NOT PROVEN TRUE, NOT PROVEN COMPLIANT MIS INFORMATION TO INCLUDE DEFICENT OF PROVEN METRO 2 COMPLIANT DATA FIELD FORMATTED REPORTING. I ALSO INFORMED EXPERIAN THAT I WAS ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL THEM TO REMOVE THE ACCOUNT WHICH WAS DISPLAYING VIOLATIONS OF METRO 2 COMPLIACE.XX/XX/XXXX I CONTACTED EXPERIAN AGAIN IN REFRENCE TO THE FALSE STATEMENT THAT WAS PRESENTED IN THE INVESTIGATION RESULTS ( PLEASE SEE ATTACHMENT ). I CONTACTED XXXX XXXX XXXX TO ALSO PROVIDE ME WITH SUFFICENT INFORMATION IN REGUARDS TO THIS ACCOUNT. THE CREDITOR NEVER RESPONDED NOR SENT REQUESTED DOCUMENTS. WHICH MAKES THIS A KNOWLING ERROR ON EXPERIAN AND THE CREDITOR. WHICH EXPERIAN STATES THAT THE ALLEGED CREDITOR CERTIFIED THAT THE INFORMATION IS CORRECT, COMPLETE, TRUE AND ACCURATE. PLEASE REVIEW DOCUMENTS THAT CLEARLY SHOWS INCOMPLETE, INACCURATE, NOT PROVEN TRUE, NOT XXXX 2 COMPLIANCE. 

INCOMPLETE ACCOUNT NUMBER NIETHER COMPANYS PROVIDED ME PAYMENT HISTORY IS INACCURATE, INCOMPLETE AND UNPROVEN CAR WAS SOLD BUT DOES NOT DISPLAY INFO- INCOMPLETE AND REPORTING LATE PAYMENT REMARKS/ UNPROVEN I HOPE THIS COMPLIANT SHED LIGHT ON THE UNFAIR ANDTHE DISREGUARDS THAT THE CREDIT REPORTING COMPANIES AND DATA FURNISHERS HAVE IN REFRENCE TO A CONSUMER CREDIT RIGHTS AND MANDATED LAWS
Consumer complaint received 2018-01-24
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: HCFS Healthcare Financial Services of TeamHealth (FL)

To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
Consumer complaint received 2018-01-24
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: CAVALRY INVESTMENTS, LLC (FL)

To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.