davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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. (PA)

Citi XXXX, the issuer of my Citi credit card, failed to resolve an overcharge on my credit card placed there by a merchant with whom overcharged for a service provided. Prior to the transaction date, XX/XX/2019, I called the merchant and they gave me a quote for some car repair work. That amount would have totaled about {$50.00} with tax included, so I dropped off my car overnight on the XXXX. When I went to pick-up the car, the bill was $ XXXX. I said, " you quoted me {$50.00}. '' They basically said either pay the bill or we will keep your car. So, I paid the bill, and contacted Citi about the overcharge. Citi decided that " bait-and-switch '' was legal, I do not think it is.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2019, I went into the Chase XXXX XXXX XXXX XXXX in XXXX Ca. XXXX. 

I was helped by XXXX XXXX ( MNLS ID : XXXX ). My financial goal was to see if Chase had a balance transfer offer better than the one I received from XXXX XXXX. 

I showed her my Freedom card explaining wed like to transfer the balance for a 0 % APR and agreed to the fee of {$99.00}. After speaking with my husband on the phone, we went through the process and I signed the paperwork electronically. 

I was told : Yes, I could transfer the balance from my Freedom card to my new Freedom Unlimited card. 

The fee was {$99.00} And that I had received the best annual APR she had ever seen for my new Chase Freedom Unlimited at 11 %. 

Everything she told me was a lie. I was lied to and electronically signed paper work no one will give me ( neither the Branch or Corporate Office ), stating it doesnt exist. I would think I made a mistake, however, I called my husband from the branch office. I explained the offer, in front of XXXX, and stated all the terms with him before I signed everything. I also, have my letter of denial for the balance transfer. Why would I sign an agreement for a balance transfer if their company policy does not allow one between Chase cards? If it didnt happen and paperwork was never signed why do I have a denial letter from Chase? 

I have patiently gone through Chases process to rectify the situation, even speaking with XXXX and XXXX ( XXXX ) in their corporate office. XXXX led me to believe the actual branch was trying to do something to help my family but when I went in and spoke with the branch manager she said this was the type of thing to be handled at the corporate level. A very frustrating runaround. 

What I have come to understand is the Corporate Office will not help my family because the Branch will not admit making a mistake or " lying '' to fraudulently have me open another card with a higher credit balance and possibly higher APR.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

One Main Financial ( formerly known as Springleaf Financial ) has conveniently terminated a loan contract ( XX/XX/XXXX) that was supposed to be covered by XXXX payments through XXXX XXXX XXXX for account # XXXX. 

All required paperwork was completed and approved by my doctor, myself and XXXX from XX/XX/XXXXthrough XX/XX/XXXX. However, I just discovered that One Main Financial has recently decided to forfeit the contract and claimed that it expired although theyre at fault and have added frivolous and erroneous fees to the account. Furthermore, they have erroneously turned over the account to a collection agency. This will result in additional fees from the collection agency, ruin my credibility and credit report. 

I attempted to discuss and resolve this issue with XXXX, One Main Financial Branch Manager, however, he refused and threatened to call the police because I asked for an explanation and informed him that I intend to sue for bad business practices.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I graduated from XXXX on XX/XX/2019. I was supposed to be in a 6 month grace period until payments start. I am also a transfer student and begin XXXX College for more than 1/2 time on XX/XX/19. Unfortunately, FedLoan ignored the grace period and has been harassing me since I graduated and demanded payments begin on XX/XX/2019. My mom, XXXX XXXX SS # XXXX, also has a ParentPlus loan with FedLoan and she is having the same issue so I am filing this complaint for both of us. 

I have updated my " transfer '' status numerous times beginning on XX/XX/2019 only to receive the following response : " Thank you for using the school/grace update feature! 
Generally, we receive weekly updates from your school automatically, but it may take some time for your in-school status to be confirmed. This update can happen before you start school or in some situations not until you've already started your new classes. 
If we don't hear from your school closer to your class start date, we will follow up with you to provide next steps if needed. '' I have also followed up with an email explaining my situation ; however, I have never received a reply to my emails to customer service : " XXXX Thank you for contacting us! 
We received your School Enrollment Status question, and will get back to you as soon as possible.In the meantime you can review your account details through Account Access. '' My credit report has been affected. Bottom line, regardless of my school notifying FedLoan, I was  supposed to be in a 6 month grace period and FedLoan completely disregarded. Not to mention, XXXX has notified FedLoan that I  transferred to XXXX and will begin school on XX/XX/2019.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I never received service from XXXX. I have been with XXXX XXXX for 3 years. A representative came to my door to see if he could get me a better energy quote so I have permission for him to run my information. 

They can not provide you a bill with XXXX single date or kilowatt charge for my address. So they basically charged me for a quote. 

They then sold my information to a debt collector, LVNV FUNDING LLC.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: IQOR US INC (IL)

i used to have a checking account number ending in XXXX i want to pay the negative balance but the bank refuse to take money the bank employee they have order from excutive not to keep the bank account open, two of XXXX bank employee successfully closed the account pursuade two federal XXXX govt offical who told the bank to close the account to punish me they have big the main federal govt offical who is XXXX in XXXX and one in other state through out the investigation the real story will come out
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

In order to avoid being foreclosed I was offered a modification in which I was approved. I have made all of my payments and sent in my paperwork. My checks have been received and cashed. I never received an email, phone call, or certified mail that my property will sold at auction and now the sale has been confirmed and I have 30 day to vacate the property
Consumer complaint received 2019-08-14
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. (IN)

I'm buying a house and the mortgage company " XXXX XXXX XXXX  '' gave us the loan, this was in XX/XX/XXXX. Last year in XX/XX/XXXX I made my last payment to XXXX XXXX XXXX, they sold the loan to XXXX XXXX XXXX XXXX XXXX. I made my first payment to XXXX on XX/XX/XXXX and have done so to date. Equifax is showing that I have two Mortgages. I have disputed this three times so far this year with no results. I just received an email from Equifax saying the dispute has been completed. I can't access the website to confirm, just like the last two times.
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Around XX/XX/2019 I made house payment by mistake twice once on Wells Fargo mobile and i forgot and accidentally while paying other bills made one on XXXX XXXX XXXX mobile which I use for other bills which I have used to make mortgage payments sometimes to which one I can remember password to first to which usually forget the well Fargo so I will use XXXX XXXX XXXX mobile for. I became aware on XX/XX/XXXX or XXXX the and called XXXX XXXX XXXX to stop payment and then I called wells fargo they assured me it would be stopped I was XXXX overdrawn in my account. So from this we know this was a mistake. I have NEVER OVERDRAWN MY ACCOUNT ON PURPOSE. So I called back with then both on phone they played verbal gymnastics while I'm crying to the top of my lungs. I was taking my daughter to college the next day and counted on that XXXX dollars I had to buy stuff she needed that I now couldn't buy. The wells fargo rep was heartless and this has hurt my family financially. I want my money returned by tomorrow morning to my account and I want damages they have caused me imposed by XXXX XXXX XXXX at XXXX per transaction for returned transactions. I called both of them as soon I as became aware of mistake. I dont carry my phone around all day so I wouldn't become aware until I do.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Hello, I recently began repairing my credit, while doing this I noticed two paid accounts that I have with XXXX XXXX which were paid off in XX/XX/XXXXare not listed. Also that many names and social security numbers listed in my account were not correct. They promptly removed the incorrect names and social security discrepancies which I am very grateful for. I contacted Experian on Friday XX/XX/XXXX and spoke with customer service to resolve the accounts not being listed at this time they explained that this is because of account maintenance. I told them I understand but would like for them to remove my recent inquiries because this maintenance is the sole reason I have been denied for credit cards and car loans I have recently applied for. I recently became unemployed and this has caused me much trouble. I feel like my credit should be reported correctly as I understand accounts may need maintenance but I should have been notified. I would not apply for anything if that was the case. Thank you for your help.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC. (AZ)

My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

A company call Sunrise Credit has placed a collection item on my XXXX   credit report. They can not provide a signed document showing proof or where this debt originated from. It is not my debt and I have no knowledge of this. They attempted to send me emails asking me to login to a website and verify my identity.
Consumer complaint received 2019-08-15
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. (MD)

XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status at XX/XX/XXXX???? in the Experian report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is  optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Consumer complaint received 2019-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Kohls department store credit reported my payment as being late inXX/XX/2019.Theres seems be glitch in there system so I was told on the phone by them.I have been on the phone every month this year about there payment, not being taken out of my account to there account on auto pay for there web site.kOHLS HAS SENT ME ABOUT THREE NEW CARDS BECAUSE THERE CHARGE CARDS DID NOT WORK PROBLEM WITH ACCOUNT NUMBERS iF THEY WENT BACK AND LOOKED AT THERE RECORDS LIKE THEY REPORTED BACK TO XXXX THEY DID THEY WOULD HAVE SEEN ALL THE NOTES ON MY FILE AND ALL THE TIMES I CALLED AND ALL THE TIMES PAYMENT WERE MAID.ITS BEEN NOW GOING ON 6 MONTHS AND I CANT GET THEM TO HELP ME .THEY ALSO CHARGED MME A FEW LATE FEES EACH TIME THEY REMOVED THEM BECAUSE THE SAID IT WAS A GLITCH ON THERE END AND THEY WERE WORKING ON IT.BOTTOM LINE LOOK AT MY TRACK RECORD BEFORE MAY AND AFTER MAY NEVER BEEN LATE AS IN ALL MY ACCOUNTS ON MY CREDIT FILE I WANT THEM TO REMOVE THE LATE REPORTING AND TO REPORT ALL PAYMENTS ON TIME. I HAVE LETTERS FORM KOHLS ASKING FOR MORE INFORMATION IT A STALL TACTIC ON THERE BEHAVE .my account number is XXXX my ss is When i called XXXX they told me that the case was closed because Kohls send the right information if th was true why did kohls send me another letter asking for more information after they reported it was right .I just want them to follow the law for credit reporting and report the right things on time and in a timely matter.It is well past thirty days to get my credit report corrected.they are cost me money in hire interest rates and hire car insurance for them saying i was late.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.