davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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: SYNCHRONY FINANCIAL (PA)

I received a letter from JCPenney ( JCP ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the JCP representative, XXXX XXXX listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by XXXX XXXX was incorrect. I want this form of credit discrimination and injustice reported and corrected.
Consumer complaint received 2017-11-18
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. (GA)

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (MI)

Been in response to Experian since XXXX. On XX/XX/XXXX they finally responded and indicated they couldn't complete my request due to verification not sent, when clear copies of SSN, ID and Proof of Address were sent via certified mail. Experian also indicated on XX/XX/XXXX - creditors need to be contacted, in which in previous dispute - this was already stated that creditors were contacted. Experian hasn't completed any investigations and accounts are clearly unknown and not verified, with clear evident in violation of Federal Laws.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

My account was fraudalent scammed on XX/XX/XXXX, a policy report was done, chase ending closing all my account, and reopened new accounts for me, after a month in new account a XXXX payment was done via quickpay on XX/XX/XXXX my contact and contacts information was fraudalent changed and money was sent again to person who scammed my account before, after many calls to chase with no answer or explanation I finally decided to call one more time on XX/XX/XXXX, to find out status of my case after the 10 days ( waiting period ) a XXXX  customer service name XXXX start screaming on the phone, was not helpful at all, didn't let me finish explained her what really happen to my account, just continue stating that she review case and make the decision that my account can't be accredited, didn't want check notes from prior representatives, what she was telling on the phone wasn't the same of my complaint and she accused me for something that I didn't do. She also say that she doesn't care about me doing a complaint against her and hung up the phone.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (AR)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX   XXXX {$0.00}
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I diaputed transactions with Bank of America about an order that I didnt recieved. I disputed XXXX {$100.00} transactions on XXXX XXXX. I was told that after 10 days if the dispute is not resolve with ten 10 days I will recieve a temporary credit while its being investigated. I was supposed to get a trmporary credit today because its been 10 days. I called bank of america they said that I wont be getting the temporary credit due different reasons that I dont get.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was hospitalized for a month in XX/XX/2019, which caused me to miss a month of work. Due to loss of income I fell behind on my auto loan. I got an email from Capital one that I could put my payment to the end of my loan, but when I called I was told my account was not eligible for this. I was also told I can not do payment arrangments due to not being able to make payment via ACH, but I told them i could put my debit card on file.
Consumer complaint received 2020-08-24
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. (TX)

All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account  corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft payment but leaves a non-payment charge on my account untill the account is closed.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CO)

I opened an account with First Citizens Bank on XX/XX/XXXX under a promotional offer to receive a XXXX dollar bonus. I completed all required terms to earn the bonus but have not received said bonus. The terms of the promotion were to open a free checking bundle, enroll in e-statements, open an associated savings account, and utilize the debit card for 10 transactions. These 10 transactions were completed on XX/XX/XXXX, well within the 90 day time frame to complete the requirements.
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I have been making payments on my loan since I graduated. My loan was sold off to Navient and I have been having issues ever since. Not a dime of my money has gone towards my principle balance and I have not made a late payment. Something needs to be done. I don't want to die with this loan. Please help or advise on what my options are or how you can help. At this point I wish I would have never went to school. I don't what to do. At first they said my loan would be forgiven after 25 years as long as I never made a late payment. Well I called again and I keep getting a different story. The 2nd time they said it would be forgiven after 20 years. I have been talking to a lot of people about this and they say that forgiveness it not true. Please help me.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My mortgage was sold to Loancare sometime between XXXX of 2019. XXXX, my previous company, went bankrupt and I was dumped into this company. Almost immediately, my escrow payments increased XXXX a month, for what the company said were " under payments ''. I provided documentation to them that stated my taxes had no been raised enough to constitute that much an increase, and my homeowners insurance hadn't either. No one cared and they stated that they would re-evaluate it in 6 months. I couldn't afford to pay this, so I missed payments and my credit was deeply affected. Every time I would call, I would get a different person with a different answer or different explanation. No one cared, no one helped and no one would look into things. I asked for a supervisor, but never got one. Just transferred to their department. I was forced into taking a loan modification to avoid foreclosure. All along, my credit suffered even more. It is now in the low XXXX 's and will be years before it's turned around. 

On a side note, there a thousands of reviews online of this company, the overwhelmingly vast majority are negative. They seem to all be about escrow issues and no one can get any answers.
Consumer complaint received 2018-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.
Consumer complaint received 2020-08-24
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: NAVY FEDERAL CREDIT UNION (GA)

I have sent several letters and called Navy Federal requesting the removal of a Fraudulent address and all accounts that were associated with the fraudulent address. 

I have never lived at .. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove the address and all the accounts you have associated with from my credit report. Furthermore i called the apartment complex for that address and they dont even have an XXXX XXXX   XXXX
Consumer complaint received 2020-06-16
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. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CUSTOMERS BANCORP, INC (GA)

I was a student at XXXX XXXX University and the school disbursed {$3700.00} to a BankMobile Vibe Checking Account for me on XX/XX/XXXX. I used those funds. XXXX XXXX University disbursed {$3700.00} to the same BankMoble Vibe Checking Account on XX/XX/XXXX. I didn't use the funds and they should have been returned to the XXXX XXXX University. I was informed the funds weren't returned to the school. I contacted BankMobile on XX/XX/XXXX to request them to return the funds since they hadn't already down so. I was informed they would need to my social security number to check the account. The representative returned the phone and informed me the account had been closed for over 7 years and that they were not required to give me any information and that any unused funds in the account would have been used for monthly bank charges. I informed the representative that the funds should have been returned to the school in XXXX and that I have a student loan ( and interest ) because those funds weren't returned to the school as requested. Later, I received a debit card in the mail stating I had opened a new checking account with BankMobile. I never requested to open another checking account with BankMobile. My purpose for contacting BankMobile was to inquire about the status of the funds and find out why they didn't return the student loan funds to XXXX XXXX University. They opened the new checking account fraudulently and erroneously. I have never used the account. It's my understanding that funds had been returned to the school in XXXX and my military benefits covered my full tuition and book fees beginning in XXXX. There was no reason for me to think the funds hand't been returned. Please help
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX  with a balance XXXX. I have paid {$6900.00} to credit acceptance.
Consumer complaint received 2017-12-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

For the past 5-6 months I have been trying to get Wells Fargo to explain to me why is this a mortgage.I went with my mother in XX/XX/XXXX to Wells Fargo to get a debt consolidation loan.She XXXX XXXX in XX/XX/XXXX, I ( XXXX XXXX ) her daughter got the house willed to me.They did a modification in XX/XX/XXXX jto lower interest rate.I paid monthly on the note .Then I find paperwork from XXXX that was added to the Wells Fargo note.To this day, they said I do n't make enough money to get a modification.My only 2 opinions is pay what is due or sell the house.NOT HAPPENING!! They still have n't answered why it 's a mortgage and why XXXX is still on there.That was my mother 's I feel I and my mother XXXX rest her soul have been taken advantage of.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I got 3 offers from chase for credit cards and accepted all of them was approved for all 3 in XXXX of 2019 and then they said we have to close your account because thats to many accounts that have been approved which is insane because they are the ones that offered it and now have ruined my credit because I have 3 closed accounts showing in my credit report and other banks look at me as high risk because of this issue this bank has caused me I have documentation requesting for investigation and still they dont care about it provided me with a number you cant talk to no one because it asks for an extension and they wont provide it its like they are doing it on purpose and charging me for an annual fee for a card I never used or was activated because they closed the account before even receiving it
Consumer complaint received 2019-11-03
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: EQUIFAX, INC. (PA)

Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (GA)

In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. 

In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. 

Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! 

We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.
Consumer complaint received 2019-12-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ... .XXXX ... AND TRANSUNION are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/2020 multiple deposits were made to my account from unemployment for a number of weeks of retro unemployment or 19 payments of which 17 were {$740.00} and two were  {$140.00}. My account appeared to be active. I have a screenshot of my account from this day. 

On About XXXX XXXX I called spark business department to have a new card issued to me because I had thought I lost the previous one I had and a customer service representative told me that my account needed to be closed because it had sat for a number of months with a $ XXXX balance. Which had happened another time before in another account and they just took money from another account of mine with a higher balance to pay the one that was in the negative. This was the day the reprentative also said that I would get a check in the mail for the money that was in my account after it was closed. I was told it could take up to 4 days to close the account and 5-7 days after that to get the check. 

The next day I signed on to see what was happening with my account and I noticed that the previous representative had the address wrong to send the check to. He had the address in XXXX, IN. And the address was supposed to be in XXXX, IN. 

The check should have been for a combined savings account of {$6.00} ( XXXX Savings ) and the {$13000.00} ( XXXX XXXX Account ) for a total of {$13000.00} I have tried to contact Capital One a number of times regarding this matter and the customer service rep has told me that the check is on its way. They have stated that on the XXXX a check was printed. However, I have no clue when it was sent out or if it was sent out. Can Capital one confirm the shipping address for me? It just seems like a very long time to wait to get a check from a bank that is within the united states. And you can bet that if someone owed them money they would be ready to collect it ASAP. 

Also on the XXXX a letter was sent out that does say that my account was closed down and no check. Now its the XXXX of XXXX. Can you verify the address this check was sent to? Why is it taking so long and please don't void it yet if its going to the correct address.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house