davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
Consumer complaint received 2018-01-26
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. (MD)

I have been dealing with XXXX and TransUnion since XX/XX/XXXX in  regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said TransUnion and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking ifXX/XX/XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX  and to the additional credit bureau 's asking them to  remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

Received call from XXXX XXXX with XXXX, XXXX and XXXX at XXXX stating I owed money from an old account with XXXX this is over 8 years old. Threatened to serve me a summons at home and work and offered a " settlement amount ''. Were very threatening and caused fear that this was a legitimate debt. The debt does not show on my credit report and they could not provide anything other than a letter stating I owed this money. Called twice from a private and unknown number stating I had been told.
Consumer complaint received 2018-01-26
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: AMERICAN EXPRESS COMPANY (NY)

I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Brelvis Consulting, LLC (OK)

I saw on the internet that there are programs for Student Loan Forgiveness if you were a certain age or had paid several years on the loan and there were other categories. I called the XXXX XXXX XXXX and was told by XXXX XXXX that I may be able to stop payments for six years but I would have to sign a contract and pay {$900.00}. I filled out the contract on XX/XX/XXXX. {$330.00} was taken from my account that day. 
Later that day I noticed an ad that warned against this type of program, it stated that these program are sometimes fraudulent and never pay up front. I called on XX/XX/XXXX, XXXX, XXXX and left a message stating that I wanted to cancel and remain with my current lender XXXX and please return my call. On the XXXX I was able to speak with someone when I called and I requested that the money be replaced back on my credit card. I also sent a certified letter stating the same information. 
On XX/XX/XXXX I received an e-mail stating I need to make another payment, or the account would be turned over to a collection agency. I called and was transferred to a supervisor that said I had to pay the money because XXXX XXXX had spent lots of time with the contract. I have paid {$990.00}. I was told to send my tax return for XXXX but that I probably didn't qualify. When I called the next week I was told that I didn't qualify because there was a difference in the amount of my income I did not know that the RDM had to be added but they kept my money and has provided no services. I have called several times since then and they tell me we will take care of you. The last time I called I asked for a copy of the contract and I was hung up on. I can't understand how they can keep the money.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX, 2017, I noticed an inaccuracy with XXXX XXXX XXXX  My credit card statement showed a late payment XXXX 2017, which is incorrect. Upon my realization of the inaccuracy. I typed up a letter to Zales asking them to fix the inaccuracy or send me account statements with the correct address showing that my letters was going to the correct address and my payments were in fact received late. Zales have not corrected the inaccuracy, nor have they provided me information showing that my statements were received, going to the correct address, or showing my account detail information. Having this late payment for the month of XXXX  2017 is detrimental to my credit health and I would like it removed immediately. Please help me in getting this taken care of. This is not how our veterans should be treated.
Consumer complaint received 2018-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.
Consumer complaint received 2018-01-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (OH)

The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this time
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.
Consumer complaint received 2018-01-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DC)

Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2018- Received notice from XXXX XXXX service that my TransUnion file had been accessed by XXXX. 
XX/XX/2018- Reviewed my TransUnion report on-line that noted a new phone number was added to my report and an errant address during the XXXX inquiry. I called TransUnion and the representative indicated he would remove the bad phone number. We placed a a fraud alert on my credit report. He advised calling XXXX to see if any account was opened. 
XX/XX/2018 Called XXXX at XXXX XXXX the representative indicated an account was not opened and we should file a complaint with ConsumerFinance.gov to have the inquiry removed from my credit report.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. 

I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I paid my credit card balance in full on XXXX XXXX, 2017. On XXXX XXXX a {$5.00} fee was assessed to my XXXX balance account. I did not receive notification of this fee as Citigroup/XXXX do not have my correct address or email on-file. I was then reported as being 60 days delinquent. Upon realization of this, I immediately paid the amount due. I called the XXXX credit card company and was told that once the payment hit the account I could call back and the reporting would likely be removed from my credit reports. Once the payment hit I did call back, and was read what appeared to be a legal recitation stating the reporting would not be removed. I believe the credit card company charged the fee in an unfair and deceptive manner so as to generate fee income.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Attn : Complaint Department XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing and these inquiries are not associated to any account I have. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX ( 3 inquries ) XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.