davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
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: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX, 2017 Comenity Bank/XXXX credit card pulled my XXXX credit report without my consent. Contacted Comenity Bank via email almost a month ago and have not heard back from them.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (GA)

I have verified that I am one of the many who has had their information compromised at Equifax. 
I am XXXX and in the process of trying to get a mortgage loan but am having issues with getting my credit and being locked out of Equifax and having incorrect information removed and/or updated to reflect it accurately and current. 
There is a collection for {$990.00} with XXXX XXXX and it is INCORRECT. I  have tried to get this updated several times and keep getting ignored. That bill was for an emergency room visit that was paid by and covered by insurance at the time and was improperly billed by XXXXXXXX XXXX. I was assured 6 months ago it would be removed by the original creditor but it has not. Also, update my XXXX to report it as OPEN and current with a XXXX balance. I am concerned that information that should be reported is not and is not current and as a result, my credit scores dropped 50 points!!!
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX and actively seeking a mortgage to buy a house to lower my living expenses dramatically.
I recently discovered that I was being billed for credit monitoring with Trans Union and have paid for it at least twice but have never received any information as to what it is and how to access it. In fact I am unable to log into any kind of account with Trans Union and have attempted to call them but have gotten no response or help and it seems like they make it hard to get in touch with them to cancel. 
I am also upset because they are reporting an account incorrectly and are harming my credit scores greatly by erroneously reporting a current and active account as closed by the grantor ( XXXX ) This account is open with a zero balance and have verified that information several times and they have no idea why its being reported as such. My scores have dropped 50 points and am both angry and confused as to why they victimize consumers like me who are trying to survive by paying bills on time and expect it to be reported as such.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

This is my second complaint, since the first was closed due to the company responding. The representative at XXXX XXXX XXXX miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to XXXX XXXX XXXX for my paid in full loan payment, stating that I do not have a loan with XXXX XXXX XXXX and I should be sending the payment to Navient, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via ups. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. 

It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. 

Now she told me I do n't have a loan with them, although NAVIEent uses XXXX XXXX XXXX for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$50.00} processing fee for it to be sent to the processing department because im not a XXXX XXXX XXXX customer.. My next step will be to sue with the bankers at my local branch being named as defendants along with XXXX and cfo XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.
Consumer complaint received 2017-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.
Consumer complaint received 2017-10-07
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 — Investigation took more than 30 days
Company: Synergetic Communication Inc (NY)

XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.
Consumer complaint received 2017-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.
Consumer complaint received 2017-10-06
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. (VA)

I recently started the process of rebuilding my credit and notice that I had a five hard inquires, dated from XXXX through XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

About XXXX or XXXX years ago I was struggling to make my mortgage payments. I contacted Chase to see if I can modify my loan somehow ; because I was struggling to make the full payment and if they can help me. At the time I was not in default yet when I asked for the help. They basically told me that I had to default before they can help me. Throughout that time I filled many Home Modification Loan Applications and they kept denying me. They told me that they were the servicer of the loan and the bank that owned my loan did not do modifications. I still kept applying since they told me to try again. Chase mentioned to me that according to their regulations I did qualify for a modification but since the bank that owned the loan said no that there was nothing they could do to help me. Still they kept asking me to file again. I also got in touch with a company named Defend Your Mortgage. They were going to investigate as to why I was not getting a modification. I paid them {$5000.00} and in the end said I had a good case and forwarded me to a lawyer to assist me. That lawyer asked me to pay him {$1700.00} a month ( which I paid for about 3 to 4 months ) so he can work on my case. After several months of paying this lawyer and nothing was done, I stopped paying him because he said I had to keep paying him and that it could take several months before anything happens. After about 2 or 3 years of applying for modifications with Chase I gave up. My house went into foreclosure in XXXX XXXX ; so I lost what I was fighting so much for. I think Defend Your Mortgage, the lawyer and Chase took me for a run around making me think they can help and they never did. I ended up losing money and my home. No today I get a letter from Chase saying that they made an error that could have extended my document collection period during my review of my application for mortgage assistance. They sent me a check for {$100.00} as compensation! They were apologizing for not providing me with the level of service they should have. Please contact me if you need further information.
Consumer complaint received 2017-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (NJ)

XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to XXXX and experian currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my XXXX report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.
Consumer complaint received 2017-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

They call up to XXXX times a day usually every other hour up until XXXX which the business closes at XXXX. I work midnights and they know this, but they continue to harass me.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Date:XX/XX/XXXX Im a visiting student of University XXXX XXXX , XXXX XXXX and I will go back to XXXX after this month. So I go to the XXXX branch bank of XXXX to cancel my XXXX account and withdraw my money ( {$1800.00} ) in my account on XX/XX/XXXX ( Please see the attachment 1 and 2, 1 is the receipt and 2 is the teller give me that day ). The manager of the Chase branch bank helped me cancel my bank account and let a teller ( a girl ) of this bank withdraw my money for me. The teller gave me {$1800.00} ( 18 {$100.00} notes ( in which there are 13 new version and 5 old version ) and 1 {$1.00} note and XXXX coins ). Later I gave the cash ( {$1700.00} ) to my roommate to help me pay the bill of my debit card ( the attachment 3 is the other {$100.00} note ( it is a new version ) I kept for myself ). When my roommate deposited the money, he found that 5 {$100.00} notes ( the 5 old version ) can not be deposited. He go to ask the teller and be told that the 5 {$100.00} notes were counterfeit. The teller and manager took the 5 {$100.00} notes and gave me some counterfeit note reports ( please see the attachments 4-8 ). I wanted to see the camera video of the chase bank to prove all the counterfeit came from the branch bank, but they refused. I also have the receipt in which there are the date, the amount, the transaction No., the session No. and cashbox No.. The manager of the Chase branch bank of XXXX just said they can not do nothing except the counterfeit note reports. 
I can not believe why I withdraw counterfeit from a formal bank. I dont know what I can do to get my money back. Im wondering if you can help me?
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NM)

In XX/XX/2022, I made a purchase and was asked if I wanted to upgrade my card to a MasterCard. They actually canceled my current account and opened a new one. When I made the payment in XXXX ( {$290.00} ), it went to the old account. In XXXX, I got a call my bill was not paid. I found out I paid the old account and they would not transfer the money. I was told I would receive a check for the overpaid balance and was asked to repay the same amount to the new account. I did that. I have called month after month and talked with reps and supervisors and still, not check despite promises. 1st check went to the wrong address in XXXX. Since then, no check has been received and they offer no explanation or solution.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (AZ)

Since XX/XX/XXXX, the staff at XXXX XXXX XXXX stole from me. Because they had key access, they would enter my apartment and steal documents, contracts, files, personal information, medications, medical records, food, shoe trees, shoe bags, and antique coins. 

In AXX/XX/XXXX, I refused to renew the lease. XXXX, the property manager and XXXX XXXX, the property owner charged me with a secret, negative credit report through XXXX XXXX XXXX. A secret, negative credit report owes no explanation. No attorney nor district attorney would accept the case. 

XX/XX/XXXX, I moved out of XXXX XXXX XXXX. I was not allowed to witness or be present during my apartment 's final inspection with XXXX and XXXX XXXX. Consequently, my security deposit was n't refunded and the National Credit Audit Corporation was hired to negatively impact my credit score and collect {$86.00}.
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

THIS ACCOUNT WAS A CHARGE OFF AND DEBT PAID IN FULL (  XXXX  ). i WAS PROMISED THAT WHEN THIS DEBT WAS PAID THAT IT WOULD BE REMOVED FROM MY CREDIT REPORT. DEBT WAS PAID  XXXX / XXXX / 17 . I HAVE CONTACTED THE COMPANY REPEATEDLY AND THEY INFORMED ME THAT THEY WOULD SEND OUT A LETTER TO THE CREDIT REPORTING AGENCIES TO HAVE IT REMOVED FROM THE AGENCIES BUT IT STILL HAS NOT BEEN REMOVED. I JUST KEEP GETTING THE RUN AROUND AND THEY KEEP INFORMING ME THAT THE LETTERS HAVE BEEN SENT. PLEASE HELP ME REMOVE THIS FROM MY CREDIT REPORT.
Consumer complaint received 2017-09-09
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. (AZ)

I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.