davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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. (PA)

I have a Chase Sapphire Reserve card. I purchased five cameras from an online merchant, but only received four. I provided documentation confirming this in the form of a packing slip, which indicates I was only sent four cameras. My dispute was denied without reason, the only reason being that they " thoroughly reviewed '' all the information and based on that determined that no billing error occurred.
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

Original complaint XXXX was filed on XX/XX/XXXX. I have received no response from Ally Financial regarding seeking a refund on a cancelled Classic GAP contract. 

The GAP contract was cancelled on XX/XX/XXXX and I have not received a refund. Classic GAP states the refund was sent to XXXX XXXX however they were no longer in business at the time Classic GAP says they mailed the refund to the dealer. 

Per the attached cancellation form I am due a refund in the amount of {$230.00}. This loan is to be satisfied in the next 30 days aside from this remaining balance that will incur interest until refunded. I will not pay interest incurred as Ally was made aware of this complaint but has failed to follow up or act.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verif these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removea and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
ACCOUNTS : XXXXXXXX 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
Consumer complaint received 2024-08-08
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. (GA)

I recently reviewed a copy of my credit report. I was surprised to learn that I have been a victim of identity theft. I found numerous accounts on my account that were not opened by me. This is hurting me as I am in the process of buying a home for my kids and I. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (WV)

I have sent several request to I.C. Systems requesting proof of this debt, via certified mail. I requested that they show proof of signature and contractual Obligation that I owe them. First letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX. To wit, I havent received any letter, showing proof of this debit.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank changed its loan administration to XXXX and in the process changed my account number, which meant my payments did not go through for XXXX and XX/XX/2019. During these summer months I was taking my kids back to XXXX to visit family for a once in a lifetime trip. I did not realise that the payments had not gone through as there was money in my account and I had no reason to belive there would change my account number. Upon my return, I noticed the payments had not been taken and immediately went to a branch and paid everything I owed ( including late payment fees, which I was livid about as the branch staff admitted fault that the payments were missed due to them changing the loan account number! ) I then was even more annoyed to find that they had posted the lates on our credit report, and despite numerous phone calls, trips to various Citibank branches in XXXX and XXXX XXXX, and letters to citibank and the credit bureaus pleading with them to remove the lates from our credit report Citibank refuse to, saying " the payments were late so the report is accurate ''! 
This has cost me so much money as I have been unable to refinance my mortgage, ( which is currently at 5.25 %, when interest rates are at an all-time low!!!! ) We were also planning to purchase a holiday property and were forced to take on an expensive private loan, which we still can't refinance because of Citibank! 
I found out this week that Citibank had no right to report us as late within 2 months of an administration change over ... so I am begging you to help us get these late reports removed from my and especially my husband 's ( XXXX XXXX ) credit report. Thank you for your help. We really appreciate anything you can do, as Citibank made extra money from us, in late fees, from their administrative changeover and yet they refuse to help us despite not suffering any loss from us. So it really is no skin off their nose to remove the lates and it is not honest of them to imply that we are more of a credit risk because THEY changed our account number without us realizing. 
I attach proof that there was money in my account that the only notice we received to infomr us pf the account number change arrived in XXXX!
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I am requesting for a late payment from XX/XX/2020 be removed from Discover Financial Services LLC on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. 

I contacted Discover Financial Services in advance to make them aware of my situation and two request were made to Discover Financial Services LLC asking to remove the late payment which were both denied.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (OR)

On XX/XX/XXXX I received a letter from UNIFIN debt collector that stated I had to pay XXXX ..this debt was originally purchased from XXXX XXXX XXXX XX/XX/XXXX. from XXXX XXXX XXXX back on date XX/XX/XXXX. I called unifin XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to XXXX XXXX I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from XXXX XXXX   was paid off. I asked for them to send me proof of the account agreement from the company XXXX XXXX she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
Consumer complaint received 2020-09-03
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. (NY)

My credit card company Citicard refuses to provide a satisfactory resolution regarding my ongoing dispute with XXXX XXXX. I had 2 dispute claims with Citicard : XXXX for {$320.00}, XXXX for {$200.00}. These disputes were ongoing since XX/XX/XXXX. Both the incoming and outgoing flights were cancelled by the airline however they refused to refund my payment despite the order from transportation.gov. On XX/XX/XXXX the claim for {$200.00} was decided in the merchants favor as the final decision by Citicard. On XX/XX/XXXX the dispute of {$320.00} was closed and decided in my favor. I am still owed {$200.00} and I am shocked and disappointed with the way Citicard is handling my dispute. I have been a loyal customer for 13 years. Citicards refusal to assist me has caused me to file this formal complaint against Citi. I hope with the help of this complaint, Citi will take the necessary action to properly resolve my issue so that additional actions are not required.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2020 chase closed my credit card for no good reason, first when i called in they said that it was closed do to unusual activity, so i explained i didn't use the card since XXXX, so she said a new thing that it was done by company policy order, so i asked her whats the story with my rewards so she told me im so sorry but was taken away so i said usually they send a letter that your account is closed and you have 30 days to take it out so im still in the 30 days and her answer was im am sorry but i can try someone to call you back 3-5 business days, so I told her then they will tell me that its passed the 30 days, so she said there is no one to help you
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WI)

My student loan, currently serviced by XXXX XXXX, has been in an Income Driven Repairment plan up until XX/XX/2018. On XX/XX/2018, I received a letter indicating that I had to submit a recertification to stay in the Income Driven Repayment program. This letter stated that the deadline for submission of all materials was XX/XX/2018. I completed a paper application which was received by XXXX XXXX on XX/XX/2018, however, was notified that it was missing a specific piece of information ( the frequency of being paid ). I called on XX/XX/2018 and verbally advised that I was paid biweekly. I was told this would be added to my application and my application would be processed. On XX/XX/2018 I called to check on the status of application. At this time I was told that my prior phone call had been " noted '' on my account, however, the application was not forwarded for processing. I was then advised that the application would be now be entered into pending status as of XX/XX/2018 ( still well before the XX/XX/2018 deadline explained in the XXXX letter ). On XX/XX/2018 I called again and was assured that my application was complete and was being expedited for processing. Without explanation or indication my application had been reviewed, I called again on XX/XX/2018 and was told that it was too late, the bill from XXXX had been generated at the full 10 year repayment plan rate ( a monthly payment of greater than {$4000.00} compared to my income driven repayment amount of less than {$400.00} ). I was given no explanation as to why my application had been delayed despite being told previously that it was complete and on time.

I submitted all my materials on time and was told multiple times that my application was complete and ready for processing. However, due to internal miscommunications and incorrect information given to me by XXXX XXXX, my Income Driven Repayment Plan application is delayed forcing me to either pay 10x my monthly payment ( which I can not afford ) or defer the XXXX  monthly payment and thereby delaying my Public Service Loan Forgiveness repayments. I feel like I did everything right and due to their own mistakes I'm left owing thousands of extra dollars on my student loans. If any consumers are reading this - if there are any issues with any application of any type call two times per week and take notes on every phone call until your application is actually processed.
Consumer complaint received 2020-08-27
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX/XXXX  XXXX {$920.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX  XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2900.00} XXXX XXXX {$610.00} XXXX/XXXX  XXXX {$34000.00} XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX/XXXX XXXX {$0.00} XXXX  XXXX {$610.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (VA)

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I  never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MD)

I am a co-signer on my daughter 's student loan with Discover. She was trying in good faith to repay her loan. She has several loans with Discover and all in good standing except one. The one she had been communicating with them about, was in forbearance status and she was trying to avoid a Charge Off status and collections. She paid a large sum to show good faith and per conversations with Discover would avoid charge off. she continued to auto pay the loan at a level she could afford. She has arranged to repay the loan and is on a payment plan, but they will not remove charge off status. She has diligently placed her other loans with Discover on auto payment and is making regular monthly payments. She is trying hard to stay on top of repayment and is now in a position to consistently repay her loans. The interest rates are high due to her credit rating and the amortization periods short causing larger payments she is trying to fix her credit rating and it is making progress so that she can refinance to a better rate, longer repayment schedule, and lower monthly payments. But now with the charge off status, her credit is not eligible for refinance with many lenders. We feel Discover has misled us and she has tried her best to repay the loan they indicated was in forbearance. We would like them to reconsider the charge off status and allow us to continue to repay the loan.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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>
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist theft I opened an XXXX account as an executor in XXXX. On XXXX, I deposited $ XXXX to the Estate from another Estate XXXX  account. The teller said it would be available in approximately 5-7 business days and raised no issues. On XXXX, Truist mailed me a letter, which I didnt receive until more than a week later, from their Fraud Department stating they detected fraud and froze my account. I could not log on. I called the phone number in their letter and the Fraud Department couldnt and wouldnt tell me anything about why they did this. They said get a letter from XXXX ( the payer account ) stating the source of funds and the check information. In the meantime, I asked XXXX ( the institution issuing the check from a different estate account ) to return the $ to the estate account, and it said Truist already cashed the check. 

I gave Truist the letter from XXXX that they asked for on XXXX and they said their fraud investigator would look into it. Days later, I received a letter dated XXXX stating Truist is closing my account for no reason. They issued me a check for the remainder approximately $ XXXX in the account and kept the $ XXXX. 

Truist is taking my estate deposit, wrongly claiming it is fraud, closing my account, not returning the money, and not providing any information about the nature of their investigation or how I can resolve this to get the $ XXXX back. This is theft by Truist. I have called Truist numerous times since I gave them the letter they requested from XXXX with details of the check and Truist does not answer questions about why they say this is fraud, why they cashed and took my check, why they closed my account without returning my $ XXXX. Everytime I call, they do not have a supervisor or any agent who can provide information or explain what is the status from their process. They continue to say still under investigation with no explanation or status update. 

Other Truist customers have made the same claims on CFPB.gov complaint website. 

What can I do to get my money back to the estate account? This belongs to the estate, not Truist.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (MO)

My Commerce bank account was Hacked on XX/XX/2019. 
I notified Commerce bank immediately of fraud activity. I was given three new cards, that did not work. and was told the money would be returned to my account within 10 business days. It was never returned to me and my account was closed in XXXX of this year. I was also told that someone with a similar account number to mine was changing my pin online and stealing my money. 
I have spoken with Commerce Bank @ XXXX and XXXX with the bank manager and she read the notes, claims that the money was returned to me in XXXX. That is not true because I was still trying to recover the stolen money from my checking account in XX/XX/2019. I turned in all three debit cards to bank manager at XXXX and XXXX in XX/XX/2019 as they did not work. I had no access to that account. The bank manager was to issue me a cashier 's check in XX/XX/2019 and mail it to me in XXXX XXXX, MO. Which to date has never happened. 

The fraud charges : XXXX XXXX at XXXX and XXXX XXXX XXXX, MO {$60.00}. 
XXXX for {$89.00} x 2 = {$170.00} Budget : refund for rental insurance : {$21.00} Total monies never returned to me by Commerce Bank : {$250.00} XXXX XXXX XXXX XXXX XXXX