davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

I was contacted on XX/XX/18 by a company called XXXX XXXX XXXX. They had left a message saying that I needed to give them a call immediately because they were in the process of serving me Court papers and would be showing up to my home and work to do so. Immediately after they left that message, they also called several members of my family and advised them that they were looking for me because they were in the process of serving me Court papers. I called them back as was advised that I was being sued for an old bank account that I had closed, and that account had a balance due. I have not had that account with the Bank that they referenced for over 10 years, I have not been contacted by that Bank, nor has there ever been anything on my credit report referencing such a collection. I let them know that I was unaware of the debt, the lady that I spoke with said that unless I paid I would be served the Court papers in the next two business days. I asked them to provide me with proof that I owed this money and that they were authorized to collect on this debt. They emailed me a very short letter which has no address or contact person 's name. The letter came from a generic email address. I have been contacted almost everyday since and they are continuing to contact family members ( telling them that I am being sued ) This is very upsetting to me that I, and especially my family members are receiving these harassing calls ... .. for a debt that I don't have.
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.

I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments. 

Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.

I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.
Consumer complaint received 2018-07-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a 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 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. 

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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Despite three written requests, the unverified items remained 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 account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.
Consumer complaint received 2018-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (AZ)

I applied for a loan online, the only way to proceed with the loan is to talk to a representative. The interest rate was never disclosed to me over the phone only the amount that will be deducted from my bank account. My loan amount was for {$680.00}, I checked the status of my loan thinking I should have paid this loan off already, only to find out I still have a balance of {$540.00}. I finally saw the details of my loan and was shocked to see an interest rate of 664.58 %. I have paid this company {$2600.00} for a {$680.00} loan. From my experience, payday loans with small amounts never exceed 6 months. I contacted the Arizona attorney general and our state laws on payday loans and found out AZDFI no longer licenses payday lenders as of XX/XX/2010 and the percentage rate above 36 % is illegal as of XX/XX/2010 and Arizona prohibits payday loans. A consumer complaint has been made.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Consumer complaint received 2024-01-02
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. (IN)

This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as # XXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX  ( Original creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$2000.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXK XXXX A ) XXXX Balance {$620.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$21000.00} XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} XXXX XXXX Balance {$12000.00}
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I have been charged by XXXX store card with a returned payment fee ( {$27.00} ) under the pretense that the account I entered in the system had too many numbers or incorrect information and the payment didn't go through, according to the customer representative I spoke to. 

When speaking over the phone with the rep she couldn't even explain the real reason and wasn't willing to correct their system mistake, blaming it on how my bank has its routing/account numbers set, wanted to double check the information I entered to verify I made a mistake but she said the information has been deleted. 

Both checking accounts I had entered to cover balance payments had funds and had been used. After this returned payment happen, according to the rep XXXX  reissued a charge without my authorization to my next default bank account with the original payment amount ( {$45.00} ) plus the returned payment fee, which I find shady since I wasn't expecting this charge on my second checking, luckily I had funds but makes me wonder if they were fishing for a second returned payment fee.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.
Consumer complaint received 2018-02-13
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: Southwest Credit Systems, L.P. (TX)

My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit -  XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most  were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I  was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from Discover SL in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on Discover SL account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
Consumer complaint received 2018-02-14
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. (FL)

On XX/XX/2016, the company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) charged my Chase credit card ending in XXXX a charge of XXXX. This charge was unauthorized and I disputed this charge with Chase. However Chase ruled in the favor of the merchant and refused to credit me this amount. 

XXXX XXXX XXXX was contracted by me to perform pool resurfacing for XXXX of my properties. The contract was written that I would pay 50 % deposit, with the remaining balance due at job completion. I used my Chase credit card ending in XXXX to pay for the 50 % deposit. However I never agreed to or authorized the merchant to charge this credit card for the remaining balance. At the time of the 50 % deposit payment, I was never informed by the merchant that they would put the remaining 50 % balance on this credit card. I authorized the first payment of {$1600.00}, but not the second payment. 

After I initiated a dispute with Chase, XXXX XXXX XXXX provided paperwork that showed that the charge of {$1600.00} was manually keyed in. I was never contacted or informed of this charge. I never authorized this charge. I assumed that XXXX XXXX XXXX wrote down or kept my credit card numbers from the first charge, and keyed this in manually without my authorization or awareness. This was a shady business practice by XXXX XXXX XXXX and should not be endorsed by Chase. 

I was dissatisfied with the service provided by XXXX XXXX XXXX and disputed this charge on the basis that I never authorized the second credit card charge. Chase ignored the fact that XXXX XXXX XXXX should never stored my credit card information and charged it without my authorization, and ruled in XXXX XXXX XXXX 's favor. 

Chase, as the credit card issuer, did not protect my right when a merchant charged my card clearly without my authorization. Chase should not judge a dispute based on the language in a service contract, the quality of the service, or whether or not who needs to pay whom. That type of judgement should be reserved for courts and judges. Chase should judge a credit card dispute based on credit card rules and regulations, whether a charge is authorized by the credit card holder, and whether a merchant abide by laws when handling credit card information. 

The ideal resolution to this issue is that the money is credited back to my account because I did not authorize this charge. This type of unethical practice by XXXX XXXX XXXX should be exposed and penalized, not condoned by Chase or anyone.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NV)

I applied for a new line of credit with Chase Freedom for the sole purpose of transferring the balances from three other accounts. Chase only approved one, but decided not to tell me this fact until I received it in a letter in the mail. They chose one account, but I'd rather it be from another account. The letter was dated XX/XX/XXXX, but was not received until XX/XX/XXXX. In the letter, there is an option to update or cancel balance transfers ( which is exactly what I want to do ) before XX/XX/XXXX, which is utterly impossible to do, so I called customer service call center for Chase, XXXX. According to the rude woman, I she can do nothing, even though I was not given this notice until XX/XX/XXXX. She couldn't have cared less and would not help me, which I found rude and frustrating. Why should I be penalized for slow mail? I asked for a supervisor- even though she was told about the situation, still managed to ask, how can I help you- she was even less willing to help than the regular rep. Frustration grew because I was talking to a wall- she was non-empathetic and did not care to help, so I requested someone else to talk to, someone who is more willing to do their job and help the customer. I then received a message stating that my number is now blocked from calling Chase, I am no longer allowed to call in, and that I must e-mail moving forward. Why am I being penalized for their mistakes? Help the customer! This is not a good beginning for a customer. Chase is too big to care.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NJ)

During this loan modification attempt, DiTech had repeatedly asked for a XXXX form in several different ways on a dozen different occasions. We provided this to them within a days time each time. This, in turn, flagged the IRS and we had to order a verification of non-filing directly from the IRS which of course took forever. There were times when I called to get updates on this application and representatives had not even seen any supporting package documents. DiTech then turned around and said that they closed the mod due to time lapsing. We had been advised this a week before the clients sale date.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A. (IL)

Hello, I signed up for a Citi XXXX XXXX XXXX credit card in XX/XX/XXXX because they advertised a promotion where if you spend {$3000.00} in the first 3 months and pay it off, you get XXXX miles. They allegedly sent me the card a few time but I didn't receive it until XX/XX/XXXX. Once the card was in my hands I met all of the requirements. A few months ago, I noticed that those points still hadn't hit my account so I tried to rectify this. 

The first Citibank Representative I spoke to ( XX/XX/XXXX ) told me someone would call me back later that day after investigating my situation. No one called back. A few days later, I spent over an hour on the phone - being passed from person to person explaining and re-explaining myself. The final woman I spoke with told me that I am not seeing the points because I technically applied for the credit card 6 months prior to actually receiving it. They told me that I would get an answer in the mail within two weeks. The letter finally came ( issued XX/XX/XXXX ) and I was denied the promotion that they advertised. Giving them one more chance to redeem themselves - I decided to call again today ( XX/XX/XXXX ) and climbed to the top of the latter and spoke to a Supervisor. He told me that they didn't see the " offer '' under my account. It didn't matter what I said. 

I am extremely frustrated because I would not have signed up for this credit card had it not been for this promotion that is literally posted everywhere on the internet. This is a terrible company if they can not follow through with their promotions, deceptions and false advertisement. 

I am planning on canceling my credit card if this is not rectified in a timely manner.