davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.
Consumer complaint received 2018-01-31
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: OpenRoad Lending (MD)

I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Hello first time doing this my fiancee has been banking at chase since she was XXXX and today XX/XX/18 all of our accounts were frozen and when we called to figure out what was going on they said all our accounts were closed. We inquired as to why they had closed it and they said there was nothing they could tell us as to why our accounts were closed and offered no advice on what we can do to reconcile this situation. We then went to our branch where we do all our banking and they just called the same number we called already and got the same answer we did and offered us no explanation or outcome except once our accounts are reviewed they would send a check in 2 weeks. We lost everything with this situation and no one is telling us why it happened and no one is telling us what we can do to fix it.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uber Technologies Inc. (MD)

I have a credit inquiry from XXXX XXXX on my XXXX credit report that I did not authorize. I have tried to call and get the issue resolved, but I keep getting a voicemail and no one is calling me back. The email I could find is invalid. So through calling and email I can not reach anyone. I did not give permission for this company to obtain my credit.
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Lancaster County, Inc. (PA)

The original holder of the debt sent me a bill for {$470.00} in XX/XX/XXXX. I called them and asked if they offered a discount for uninsured patients. I talked with someone named XXXX. She told me that they offered a 25 % discount to uninsured patients, and she said she would send me a new bill in the mail. A few days later, I received a bill say that the bill is {$350.00} for self-pay patients. That letter is dated XX/XX/XXXX. 

Within a month, this bill was sent to collection to the Credit Bureau of Lancaster County , Inc . They said I owed {$470.00}. I faxed them a copy of the bill in which I was told I owed {$350.00}. They responded with a letter dated XX/XX/XXXX saying that the discount did not apply if the bill was sent to collection. However, that is not what XXXX said, and that is not what it said in the bill that was mailed to me on XX/XX/XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NV)

I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from Wells Fargo Bank ... I never had an account with Wells Fargo Bank ...
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This inquiry was added to my XXXX  credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Interest fees keep changing. XXXX {$7300.00} and XXXX {$6500.00} and XXXX  {$7000.00} Now they are adding another yr. to two and 7 mo to another. Thought it was 10 yr. fixed. 
They make it impossible to pay off. Certain I am being ripped off.Read about similar stories online. and lawsuits pending.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NV)

last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.
Consumer complaint received 2018-01-31
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. (NV)

On XX/XX/18 I filed with Experian credit Report disputing alot of errors, and 1 account never was not opened by me one account is current ( XXXX XXXX XXXX ), and one collection that was also not opened by me. They said they would investagate these accounts ( XXXX XXXX Credit Card ) ( XXXX XXXX University ) and, a collection with XXXX XXXX XXXX company. All these accounts I never opened, or owe any money to. I also filed with XXXX and, XXXX about a month those two credit companys did there investgation and, found during there investgation in fact I never opened and, of the accounts above. Experian credit report company waited about three hours and, sent me a email the same day I disputed today XX/XX/18 saying they where not changing anything and my credit report was updated. Ok so are you going to investagate this in one day normally its takes up to 30 days experian did not do any type of investagation and, is damaging my credit by not removing fraud accounts. They other companys did remove them from my credit reports. This is against the ftc and, that is why I am filling not only a compaint here but, also with BBB.
Consumer complaint received 2018-01-31
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)

I have disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent a formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (NC)

They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

OnXX/XX/XXXX, I applied for a XXXX Capital One student card and was approved. I applied for the card to help improve my credit. I received he card around the middle on XXXX (  later to find out it was about XX/XX/XXXX. ) I used the card for several transactions during the holidays. I logged on online to the account about 2 weeks after getting the card. I had a few issues with the one navigation using my phone and then forgot about the card. 

About XXXX I got really sick and had the XXXX followed by XXXX XXXX. Today, XX/XX/XXXX I was going through my bills and making sure everything is paid and realized, Ive never gotten a bill or anything for my new credit card, not even a phone call. 

I checked my credit report and to my shock see that they reported me as late and over the limit. This dropped my credit score by almost 100 points. The point of the card was to help my credit. I had intended to pay half my balance as soon as I got my bill. 

I called Capital One, they said they do not send bills or reminders or make calls if youre late. I was very surprised and sad to hear this. I asked if they could do anything to help my credit and they said no, sorry but its your fault. I wanted to make a payment and have the late payment removed and asked about a credit increase so it didnt affect my credit negatively and again was told there is nothing they can do but give me a onetime credit for the late fee. I think this is unfair business tactics and is not right. 

I had the card about 5 days when the first bill was issued. I honestly thought the bill would come in XXXX with a grace period to pay.
Consumer complaint received 2018-01-31
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: CREDIT ACCEPTANCE CORPORATION (GA)

My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. Thanks XXXX XXXX
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (VA)

There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS