davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I opened a XXXX  XXXX credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. XXXX XXXX agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX XXXX XXXX has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like XXXX XXXX to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two issues I have with Capital one. First is I'm paying {$40.00} per month for the past 2 years. that amounts to {$960.00}. The credit bill you took me to court for was {$2000.00}. In all accuracy, my report shows {$1500.00}. Including the Charge/Off ( false reporting ) you are reporting on my credit report. 

I know you are mad because I owe the debt but to lie on my report. I'm going to now to obtain legal representation for false reporting.
Consumer complaint received 2020-01-30
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: Experian Information Solutions Inc. (PA)

Experian Consumer Services on XX/XX/19 -XX/XX/19 XX/XX/19 shows and I have not applied or requested any services from Experian Consumer Services. I need Experian TO STOP I OPT OUT OF ALL Promotion products and services. I have not requested and need Experian to stop with there services I have not applied for.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Portfolio Group LLC (IA)

This company keeps calling and hanging up. When I called back I asked the guy for verification and he told me no. He was threatening me and I can't get the information for verification. I don't know what this debt is and he keeps saying '' I traced your IP ADDRESS. ". This is harassment. I finally told him to take me to court, because I'm unemployed. We can get this figured out there.
Consumer complaint received 2020-01-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (KS)

Setup a settlement payment plan with Cash.Net USA. I made 4 payments of {$320.00}. I was 10 days late on 5th payment. Instead of working with me to resolve the remaining balance of {$640.00}, they now want {$1900.00}. A {$1200.00} increase for a 10-day late payment is absurd.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I opened a capital One credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. Capital One agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX Capital One has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like Capital One to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 I visited the banking center to negotiate a money order I had purchased. The bank teller was not very polite when servicing me. She looked at my item as if it was foreign currency, when it was simply a money order fro XXXX XXXX. After looking at the item, she looked at me with a haste and treated me as if I was a suspicious customer or something. I felt totally uncomfortable when doing business on this day with Bank of America, and it is not the first time or banking center that has made me to feel very uncomfortable when doing business. I have a goals of purchasing a home in the near future, as well as supporting all of my children 's education with investment accounts to meet their future financial needs. 
I attempted to cash or deposit my money order for the amount of {$500.00}
Consumer complaint received 2020-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

On XX/XX/XXXX, I received a letter from fedloan instructing me to complete my annual Public Student Loan Forgiveness income re certification. I submitted that information via fax on XX/XX/XXXX. Thereafter, I received an email from Fedloan stating that my recertification period expired because I had not responded with 90 days. That was inaccurate I re-submitted my annual certification information directly to the Department of Education on XX/XX/XXXX. DoE emailed me on XX/XX/XXXX stating, Your Servicer Is Processing Your Application. 
On XX/XX/XXXX, I sent a message to Fedloan through the its web based, online messaging system inquiring about the discrepancy. At XXXXXXXX XXXX  on XX/XX/XXXX, I received an email in response stating, " our current Income-Driven Repayment ( IDR ) schedule has been extended by six months. Your application is currently on hold because your current Revised Pay As You Earn ( REPAYE ) repayment plan does not expire until XX/XX/XXXX. Once the 12th bill on your current schedule is generated, we will begin to process your recertification request. '' I called Fedloan 's 1-800-dead-end number today, XX/XX/XXXX. I was told that the XXXX, XX/XX/XXXX email was NOT from FEdloan and is a scam. I was further told to expect an email with more information on XX/XX/XXXX. My Fedloan.com account currently provides this information, We received your IDR request on XX/XX/XXXX. We will review your request and send a follow up email by XX/XX/XXXX. This email will detail next steps and any additional actions needed This information seems un-credible and inaccurate. 
A new representative ( " XXXX '' ) told me I would restart payments on XX/XX/XXXX because the recently announced covid forbearance extension is not official-official. XXXX specifically disclaimed any forthcoming XX/XX/XXXX email. 
Ugh! So typical of Fedloan. Little help
Consumer complaint received 2020-03-31
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. (CA)

XX/XX/XXXX - Initiated a balance transfer. A {$2400.00} credit balance was paid by XXXX XXXX, account XXXX XXXX XXXX XXXX to CITIBANK account XXXX XXXX XXXX XXXX but Citibank refuses to credit my account, now I owe both agencies {$2400.00}. XXXX ( worked with XXXX ) claims that a check was sent. They have provided the following as proof : Check was cashed XX/XX/XXXX, they are sending me a copy. 
Account : XXXX Check # XXXX sequence : XXXX Citibank, when pressed, refers me back to XXXX or just hangs up on me when i ask to speak to a supervisor ( XX/XX/XXXX and XX/XX/XXXX ). Call wait times are over 2 hours and Ive called 3 times at least. Several other abandoned attempts.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

On XXXX, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of Midland Credit Management ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was XXXX. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.
Consumer complaint received 2020-06-29
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. (NC)

I HAVE FILED MULTIPLE DISPUTES WITH XXXX   THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: JPMORGAN CHASE & CO. (OH)

I decided to refinance my autoloan to obtain a lower rate from a competitor. Through trying to pay off the auto loan, I first made a payment in the amount of {$5300.00} ( could not pay more as additional principal ). I then found the tab to pay off the loan, which billed me for {$16000.00} ( the actual payoff amount ). Therefore, I was owed a return of {$5300.00}. I called immediately and was told that despite the money coming from a Chase Banking account to a Chase Auto Loan account that it could not be cancelled. However, I would receive a refund back into my account within 10 business days. I acquiesced and waited. 

This was for account number XXXX Since then, I have talked to entry level customer service representatives, escalations, as well as the executive line. I was promised the refund would occur within 10 days. When I called back and escalated, I was told within 5 days. I am now told its under investigation and I still today have not received a refund or any promise of when I will receive a refund. 

The online payments as mentioned above were XXXX ( {$16000.00} ) and XXXX ( {$5300.00} ). Both of these payments were made on XX/XX/2020. They came out of the account ending in XXXX.
Consumer complaint received 2020-01-30
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. (AL)

Over the past 5 months I have reached out to Equifax to correct an inaccuracy on my credit report. It shows that I have XXXX late payments with XXXX, I have never been late. On my credit report it shows that my last active and payment date was in XX/XX/2018. This is when I paid the account off and have a XXXX  balance. In XXXX, XXXX, and XXXX it shows late payments which is impossible with the account having a XXXX  balance. I have attached a copy of my report to prove what has just been stated.
Consumer complaint received 2020-01-30
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. (TX)

a ) On XX/XX/2019 I ordered a XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds this is a huge heavy sewing cabinet double doors shelves drawers,,,, {$190.00} a. Photos of the advertisement printed from the internet readily available to your office b. I also have printed out the purchase document c. Printed out the receipt from seller dated XX/XX/2019 stating that they were processing the order b ) XX/XX/2019 I began calling and sending emails requesting when I could expect delivery of the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds ) again emails can be easily forwarded to you c ) Late XX/XX/2019 I called Chase disputing the charge telling Chase I had not received my shipment and the seller was no longer available to contact again I have the Chase Credit Card billing showing the date the temporary credit was issued d ) XX/XX/XXXX Chase I received a request of information letter why the charge was disputed I filled out the request information documenting the sequence of events stating again I had not received the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds a. I called Chase asking for specifics was told to send asap my email and mail which I did that day b. Next day I called Chase to verify they had received the email with the request and documentation attached I was told the hadnt AGAIN A SECOND TIME I sent email request and documents attached e ) XX/XX/2019 Chase again denied the dispute and reversed the temporary credit placing the {$190.00} charge back on my account f ) I went to the nearest local Chase Bank location seeking assistance and was told by the bank office ( I have her business card ) that by Texas State law I would be required to pay because the law states as long as you receive something/anything you pay g ) Some time XX/XX/2019 I received a package from the seller a 3 inch sponge the package was shipper described mobile phone holder 3 1/2 inch sponge maybe weighing 1 oz h ) Subsequent to XX/XX/2019 Chase has turned me into credit bureaus for failure to pay monthly payment, late payments ran up {$600.00} in late fees and interest contacted our relatives seeking access to us i ) ******** As I told Chase last XXXX the seller XXXX is listed on national and international website as a international crook scam after scam after scam ************ j ) I now have close to 100 pages of documents and photos, NOT SURE WHICH IS THE BIGGEST INTERNATIONAL THIEF AND INTERNATIOL CROOK XXXX  OR CHASE!!!
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Today on XX/XX/XXXX, my wife received an unsolicated application in the mail that was open with the application removed. I tried calling Capital One to flag the application and they wouldn't do anything without giving out personal information which we did not want to do.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

US bank send me an offer for a credit card and I was suppose to get {$500.00} bonus cash if I spend {$4000.00} in first 90 days of the account opening. I completed this process and didn't get my bonus for {$500.00}. I called the customer service and on the recorded line the customer service representative Confirmedthat I spent over {$4000.00} in the first 90 days and not sure why I didn't get the {$500.00} bonus. She initiated the investigation, after few days I received the letter which stated that I didn't met the requirements. Per my US bank statements, I spend over {$4000.00} in the first 90 days as required. I feel this is misleading and fraud and I should be entitled to the {$500.00} as promised by this bank. Please investigate. Thank You.
Consumer complaint received 2020-01-30
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  on XX/XX/19 by XXXX XXXX XXXX has an inquiries on XX/XX/19 in which I did not apply or request any credit from XXXX XXXX XXXX XXXX. There should be no inquiries for a loan.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

COMPANY CONTINUE TO VIOLATE " FCRA, FCBA AND FDCPA '' REPORTING ID FRAUD ACCOUNT, VIOLATES MEDICAL PRIVACY ACT " HIPAA '', NEVER DONE BUSINESS WITH COMPANY, NOT MY ACCOUNT
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-01-30
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. (NJ)

XXXX XXXX XXXX Response to complaint XXXX-XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my Experian credit report and noticed two fraudulent accounts were reinserted back on my credit report without being notified within five business days per FCRA Guidelines. I have talked so many representatives at Experian Fraud Department regarding documents that I have uploaded on www.experian.com/upload portal and they always say that my documents are illegible. The last time I talked to representative at Experian, I told him to submit a trouble ticket regarding Experian website that is not working properly because when I submit my documents, it always tells me that it was submitted and uploaded successfully, but when i call Experian, they tell me a different story.

Experian has violated by rights under FCRA 611 5 ( B ) ( ii ) ( A ) by reinserting deleted items without notifying me within five business days. I have also attached copy of my Experian report where they deleted these fraudulent items in the past as well as a copy of my police report and FTC ID Theft Report : 1.  XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2020-01-30
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. (OR)

every year i need ro recertifiy my REPAYE program, each year i use the FSA calculator to look at me and my wifes income, and it details how much we will be paying for the next year, taking into consideration our joint income and joint loan balance. 
my wife was XXXX, and mine was XXXX, but when i did my paperwork, navient came back and said my payment was 250+? 
i do this every year and when i bring it up to them, they offer a forebearance while i resubmit paperwork, but all that forebearance does is captilize my interest to my principal, thus increasing my loan. i end up paying a few payments during the year, but cannont afford the 250+ all year, so im forced into there wonderul option of forebearance. even while they should be researching my issue and pausing or allowing me to make a smaller payemtn.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, on or around XXXX XXXX, a Chase bank teller stole {$200.00} in cash while a customer was making a cash deposit on location. 

This branch is located in XXXX XXXX XXXX, XXXX, NY XXXX. 

The cash deposit was handed to the bank teller with the exact amount and quantity of bill being deposited on the back of the deposit slip. Example : $ XXXX XXXX, $ XXXX The bank teller did not count money in front of the customer and failed to use the money counting machine right next to him. 

Instead, he proceeded to use the money counting machine that was further away from his work area. 

He told the customer that {$200.00} in cash was missing. 

The manager was contacted but he failed to investigate the matter. 

The matter was then escalated to Chase Branch Complaint Escalation Group. 

The XXXX XXXX Police Department was contacted and then the police report was filed on the same day with two police officers on location. 

The Chase Brank Complaint Escalation Group does not provide updates to the case nor do they call back when requested numerous times.