davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (IL)

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over 150+ points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

Associated Bank closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment.

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

I was not properly informed of how their daily apr. Charge works and how it can affect me Santander USA and the XXXX car dealer gave me a loan of XXXX XXXX for a car that cost XXXX when my income was only XXXX a year I want to see the original contract and credit check documents they provided to get me qualified for this loan I've been paying for over 2 years {$660.00} and yet still owe them {$26000.00} how is this possible it's a disgrace to our country this has to stop .I want to see all original documents of initial loan process that shows my income and salary for which i qualified for a loan of this stature.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

Hello, I am enrolled in the Public Loan Forgiveness Program with XXXX XXXX. Two years ago they miscalculated the number of qualifying payments that I have made to date and thus are stating that I still need to complete over 5 years of monthly payments to qualify for loan forgiveness. They suddenly changed the time left until forgiveness one day out of the blue. I have called them over 10 times in the last 2 years requesting that they recount my loan payments since I should only owe 3 years until loan forgiveness. Every time I call they continue to say that a manual recount can take months but again it has been over 2 years now and it still hasn't been completed. I finally got them to mail me all of my payment information so I could confirm how many payments I have completed on my mine and again I owe only 3 years and not 5 years. I like 2 years is an incredibly long time to not recount my payments and correct my date of loan forgiveness. Any assistance that you may be able to offer would be appreciated. 

Thank you! 

Respectfully, XXXX XXXX
Consumer complaint received 2018-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I went to a Chase Bank at the XXXX XXXX XXXX XXXX in XXXX, XXXX. I wanted to put my savings and checking accounts into my trust which I established in XXXX. 

A personal banker - after checking with the " back office '' - told me Chase can not do that. I could not believe that Chase could not or would not do that. I asked what happens to my money in my accounts on my death? His answer was that if no one claims it the money goes to the state. 

I tried to get him to understand that my trust would enable people to access my accounts. He refused to do anything. 

I wrote XXXX XXXX XXXX, Vice President Chase Bank of J P Morgan Chase at XXXX XXXX XXXX. XXXX, XXXX XXXX. Asking her if the personal banker and the back office were correct in telling me Chase does not do that. She did not answer. I sent another letter dated XX/XX/2018. She did not reply to that letter either. 

XXXX XXXX
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX, I transferred funds via Chase New York to XXXX XXXX XXXX  ( XXXX ) Branch in XXXX, XXXX, XXXX via XXXX XXXX, XXXX. 
The amount intended to be transferred from my US Dollar account with Chase, New York was : INR   XXXX. However, it appeared that through Chases Wire Transfer operational error, the amounts transferred were : Two transactions of approximately INR 100,000 each totaling INR  XXXX The dollar amounts deducted from my account were : 1. XXXX USD sent on XX/XX/XXXX XXXX XXXX and 2. XXXX USD sent on XX/XX/XXXX XXXX XXXX The transfer of funds was initiated by me on behalf of my friend. 
Through secured messages I brought the underlying problem to Chases attention and also asked that my account be credited in the amount of {$1400.00} as the second transfer request was not initiated by me. Chase opened an investigation and, after some persuasion, asked its technical team to determine the cause of the problem. On XX/XX/XXXX, I received the following secure message : Please be advised that our technology team determined 2 wires were sent out due to an internal issue. You will also receive a letter in the mail regarding the investigation in this case. 

After receiving a confirmation from Chases technology team I felt comforted that the bank followed up on my concern. I assumed that the follow up letter would expand on the issue and elaborate on the steps taken to remedy it. I was disappointment with the letter received from XXXX XXXX XXXX dated XX/XX/XXXX, as it did not continue where the Technical team left off. The letter did not address the underlying issue as to why two wires were sent and, as a result, my account was debited twice in less than a minute. Instead, the letter focused on the delay in beneficiary receiving payment from XXXX. Based on the response it appears that the investigator either did not provide an honest answer or did not understand the problem that he was supposed to investigate. At the end of the letter the investigator wrote We now consider this inquiry resolved. Note that the letter did not address the request to credit {$1400.00} to my account presumably because I had informed Chase that, at my request, the beneficiary transferred INR XXXX to my mothers account in XXXX. This was my back up plan that I used since I had sensed that Chase was either unable to or unwilling to resolve the problem.
Consumer complaint received 2019-04-12
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. (GA)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX  XXXX not mine/inaccurate XXXX  XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine/inaccurate XXXX XXXX XXXX/XXXX  XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GreenSky, LLC (TX)

On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.
Consumer complaint received 2019-04-11
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. (CT)

One day I had a credit score with Equifax and the next day it was gone and they had no score or record of me. I had a XXXX credit score and went to apply for a car loan. They tried to access my credit score with Equifax and said it didn't exist. I spent hours on the phone with Equifax over the course of four days, sent them a copy of my social security card and drivers license to prove my identity and still got nowhere. There answer was to try to start over and establish credit by going to department stores and getting credit cards. I already have credit cards and a good credit history. The call centers for Equifax are in XXXX and they just bounce you around from one department to the next without any help. I can not get a car that is needed for work because I no longer have a credit history. I worked hard to establish a good credit history by paying bills on time with the hopes of using this credit to purchase a car and a home at some point. With the click of mouse somewhere at Equifax my credit history disappeared with any help or hope to get it back. One company should not have such power over the everyday lives of hardworking citizens.
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have written 3 Notices to validate the debt to no avail. This company has erroneously added negative data to my credit reports w/o my consent or knowledge ... 
I HAVE ATTACHED A COPY OF THE REQUEST FOR VALIDATION ...
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX  Account number XXXX {$50.00} XXXXXXXX XXXX Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX  {$130.00} XXXX Account number XXXX {$800.00} XXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX  Account number XXXX {$1100.00} and XXXX {$0.00} XXXX XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from Receivables Performance Management for the amount of {$1200.00} and XXXX XXXX XXXX {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.
Consumer complaint received 2019-04-11
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: CL Holdings LLC (MI)

Upon review of my XXXX and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (UT)

I applied for the XXXX XXXX XXXX XXXX offered through US Bank on XX/XX/2019 online after speaking with a cashier at a XXXX store who advised me that the store would no longer accept Visa, but XXXX offered a Mastercard that would be accepted and had great rewards. At the completion of the online application, I received an instant message that I was not immediately approved and further processing was necessary. The following day, XX/XX/2019, I received an email message that I had been approved for a credit line of {$5000.00} and the card would arrive in the mail in approximately 6 days. I received the card in the mail on XX/XX/XXXX. I followed the instructions on the front of the card to activate the card, and the representative texted me a verification code number, asked about the state where my social security number was issued, and other personally identifiable information. She stated she was not able to activate the card, as I needed to speak with their application fraud department to verify my identity with them, and they were only open XXXX. I called the activation phone number on the front of the card on Tuesday, XX/XX/XXXX at XXXX XXXX to speak with the application fraud department. The representative informed me the application fraud department was closed, as their hours were central time not mountain time. After being transferred to voicemail, I called the activation number back to speak with a supervisor in hopes of canceling all prior information with the bank. The supervisor advised me that he was not able to cancel the card because it was held in a fraud delay. I called back on XX/XX/XXXX at XXXX XXXX mountain time, and a representative once again texted me a verification code, asked personally identifiable questions, and then said she could not activate the card, but I needed to speak with the application fraud department. She transferred me and I confirmed application information and the card was activated. I then called the phone number on the back of the card and they canceled my card. I never used the card and do not want the card.
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I checked my Equifax credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX XXXX   XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to Equifax. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. 

At this time I will also inform you that your office reporting invalidated information to to Equifax constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

I have an XXXX credit card through US Bank that was sold to me by one the XXXX stores in XXXX. The advertising for the card promises 1 % rewards for non XXXX products and 5 % for buying XXXX products. I have spend over seven thousand dollars on the XXXX MasterCard and when I called US Bank 's servicing department they told me that, without my dividend from being a member of the XXXX XXXX XXXX, that I only had XXXX dollars in rewards points. After I argued with the representative she then said when you add my normal, non credit dividend with my XXXX dollars of rewards points that I was owed XXXX dollars that would be paid in XXXX. The math for the amount of money I spent compared to how much my rewards were doesn't make sense. I'm owed at least XXXX to XXXX dollars of rewards points with my dividend. US Bank is stealing rewards points from customers by underpaying them during the time they award dividends. US Bank also doesn't allow me to view rewards dollars on my online account.
Consumer complaint received 2019-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I do not have record of every transaction over the past 8 years but Sallie Mae and Navient are wrong every single time. I continually speak with them on the phone and I receive inconsistent information regarding my loans. They ask for money, I give it to them if I can, they will tell me I am current until next month. Usually a couple of days later they call and ask for more money. I am not sure if this is a commission based job as debt collectors and it benefits them to deceit others in this way but it happens often, and if they are not calling me they are calling my co-signers at the same rate. I went to school in the college of XXXX and passed all of my XXXX, XXXX, and XXXX classes with flying colors usually leading a study group helping other to pass the classes ; point being, I have an understanding loans but I have never known my own personal lending situation ever in the past 8 years. I give them well over 2/3 of my income most years and my principle balance keeps going up every year as well.
Consumer complaint received 2019-04-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZINC Financial, Inc., (OH)

On XX/XX/19, an strongly worded email from ZINC financial just let me know that a highly expensive forced place insurance was tagged on my current loan. I was not notified of the issue writing, by mail, until this point, which the change was communicated via email. ZINC has not disclose how expensive in this forced place insurance, but the core problem that there has not being lapse of coverage. In fact, I provided ZINC with a copy of theXX/XX/XXXX for the insurance, but they are now adding more requirement to it. For example, they want me to provide that these policies have been paid in full, but that doesnt make any sense.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Received letter from XX/XX/2019 from LVNV Funding/resurgent whoever they are. This debt was a write off charge off on taxes with XXXX   XXXX! Im tired of them contacting me not validating the proof that I owe them. This is a 3rd prty collector!