davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
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. (NY)

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>Thank you,
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (NV)

I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My last name is wrong on my credit report. My name is  XXXX   XXXX , not  XXXX   XXXX . There are phone numbers that do not belong to me on my credit report.     The first dispute was closed. Lets try this again!
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (TX)

I had a  Chase Cr edit card in  XXXX  and it became delinquent, due to an illness I suffered from my inability to work. I had the, out of work protection on my account and they were still charging for that protection but they never paid the bill. Fast forward to  XXXX , a law firm  XXXX  and  XXXX   XXXX  has placed a lien on my account but I have never received any documentation   in regards to going to court or anything. Chase would/had never supplied me the Collection agencies information.
So basically here is why I am reaching out to you all for some assistance : 1. I am a current Chase mbr 2. My account has been locked and my access blocked w a high   bal.  XXXX   3. Credit card was only {$5000.00} 4. Never received any court documents 5. My military son is on my account
Consumer complaint received 2017-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..
Consumer complaint received 2017-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (WA)

I have  XXXX   American Express Cards ,  XXXX  is a Business and  XXXX  is Personal.   The business card has a credit balance of  XXXX  and I wanted it transferred to  the Personal Card. T he Customer service says it tak es 7 to 10 b usiness days. ( to transfer a balance are u kidding me ) I started the process on  XXXX   XXXX  via a Chat line from the company website. Around the  XXXX  of  XXXX  I called to find out what the problem is because it was not transferred.   They gave me a line that the Chat people did not do it. So on the  XXXX  they said it would take another  XXXX  to 10 business days to make a transfer. Stupid as it is ....   So now is the  XXXX  and still nothing has been done.     How difficult is it to transfer a balance between  XXXX  accounts at the same company?   Why should it even take 1 day vs  7 to  10 days to do a simple transaction. Their answer .. . .. Pr ocedure ....   Makes no logical sense.     The  XXXX  credit cards are Personal  XXXX  Business  XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Hello, My name is  XXXX   XXXX  I rented Unit  XXXX   XXXX   XXXX   XXXX  MD  XXXX   Apt   XXXX  .I re nted an apartment from  XXXX  at  XXXX  in  XXXX  MD. I lived there from  XXXX   XXXX  thru  XXXX   XXXX   XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days  XXXX  contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my  Move n dat e which was  XXXX   XXXX   XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did.  XXXX  is claiming I owe them money when in fact I do not owe them any money.  XXXX  at  XXXX  is not a " utility company '' which they clearly state this in their lease on p age ( 10 ).  If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in  my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from  XXXX  until I moved out, and balance is {$0.00}.  XXXX  sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else.  XXXX  & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ;  XXXX   XXXX  so much so that it is now affecting my everyday way of life. Please contact me at  XXXX .
Consumer complaint received 2019-08-07
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: JPMORGAN CHASE & CO. (CA)

I received a letter from 'CHASE ', it looked like a formal Chase letter and it claimed that I tried to open a new credit card account so they are reaching out to confirm my information. I called in and told them that I did not open an account with Chase at all. However during this process, their first question was to ask my SSN. I told them my SSN and thought they'll investigate and close the claim. I never receive anything from them again. Three months later I found out that there were three cards opened without my knowledge, two from Chase and one from XXXX. I looked at the letter again and googled the phone number listed on the letter and found online that there were other people being scammed by the same number before too. 
The phone number is : XXXX
Consumer complaint received 2017-04-27
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: EQUIFAX, INC. (IL)

In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I have been paying XXXX/Navient since 2004. My payments seem to hardly chip at the amount due. I have some late charges as well and they told me I do n't qualify for XXXX Forgiveness or Public Servant reprieve even though my XXXX qualifies. I have been a XXXX for 25 years.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card with the company with a credit line of {$700.00}. I went onto their website and made a purchase of {$580.00} on Tuesday   XXXX    . I went into the store today  X/XX/17    to return {$340.00} worth of the online purchase due to ill fitting clothing. I then went to try on clothes and shop in store for better fitting clothes. I went to the check out counter with my purchase and was told I had to to call the customer service number but not why. With a line of people behind me I had to call the customer service number. The first representative advised me that I did not have any available credit to make my purchase and that I was in fact over my limit. I advised her that I had a credit line of {$700.00} and made a purchase of {$580.00} and a return of {$340.00} ; therefore, I should have {$450.00} available. She informed me that my return today of {$340.00} would not credit my account until the clothes made it back to the online warehouse. That is bad enough. I can understand if the credit takes a few days to post, but if the store has the clothes they should not have to wait to credit me until the clothes physically make it back to the warehouse when the company is possession of the clothes! My real gripe though is that even without the return I should have had {$110.00} in available credit. The lady argued this point with me as I tried to get her to understand basic math. She then transferred me to a another representative who researched my account and let me know that while she agreed that yes I should have an available credit of {$110.00} I do n't have any available credit and I 'm showing as over my credit limit. I asked how this could possibly be. She tells me that even though she can see the original {$580.00} hard posted to my account that there is still a {$580.00} authorization holding funds on my account that she can not manually release, so my account reads as having {$1100.00} charged to it. This makes absolutely no sense. I could have spent {$700.00} even that day online, but I did n't. Due to their weird practices of hard posting and having the authorization still there  four  days after my purchase means I could not use {$110.00} worth of credit that I should have had available to me. I wasted three hours of my time in that store trying on clothes and dealing with the phone call in line in front of other patrons only to walk away empty handed. I also missed out on a store-wide sale today that I wo n't be able to take advantage of when my account finally balances out. This is beyond frustrating. When all credits post to my account and the authorization falls off I think I might just close the account and never shop there again.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.
Consumer complaint received 2023-03-18
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec.  605, 609, and 623. On  top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from  Original Creditor and  XXXX ,  XXXX ,  XXXX , with is in violat ion of the law ... ..