davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

On XX/XX/2020, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. And automated response was sent back saying that their Fraud Department needed to be contacted via telephone. I then inquired as to why a customer is required to call in ( considering the time and effort needed in order to speak to a representative ). I have sent two separate, secured messages and Citi ( Best Buy VISA ) has refused to communicate with me with regard to this inquiry. If I leave, as scheduled next week, I feel this company will purposely impose a freeze on my card, that will result in my inability to access my good standing account. I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint.
Consumer complaint received 2020-03-07
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. (IL)

On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.
Consumer complaint received 2020-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CA)

complaint against EDUCATIONAL MANAGEMENT CORP. I TRIED TO RESOLVE THESE ISSUES, THEY JUST SENDS ME A COPY OF THE PROMISORY NOTE. I ALREADY HAVE A COPY Standard loan of 10 years ( 120 pymt ) before I changed the loan term on 1XX/XX/XXXX to 24 months. My loans are fixed rate which accrues daily interest. 


On XX/XX/XXXX Conversion on both two loans from XXXX XXXX XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX. XXXX Capitalization applied to both loans on dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
While making monthly payments, I missed XX/XX/XXXX. 

Unsub at 6.8 % and sub loan at 6 %. 
There's no way that one missed payment in XX/XX/XXXX ( there's no way 1 month daily accrued interest is {$1000.00} ) ( listed as Interest capitalization ). And sub loan at 6 % ( there's no way 1 month daily accrued interest is ( {$450.00} ) ( listed as Interest capitalization ) and sub loan. 

I kept on making monthly payments none of my extra payments went to principal balances on both loans. 
On XX/XX/XXXX I requested in writing, email and over the phone that my tqo loans terms be changed as of that day from 10 year to 24months. My unsub I requested that monthly payments be {$400.00} and Sub loan monthly payments be {$210.00}. I had 7 payments and this company violated the borrowers rights by changing # 1 AND # 2 loans to # 3 and # 4 loans and the terms, stating that it was FTC who authorized the change of the terms of my # 1 and # 2 loans. Changed in XXXX of XXXX to two new loans. 

I never requested any changes on my two loans nor called XXXX. Now come tax time, I received a letter via email stating that tax year XXXX interest was only {$220.00} ; This amount does include payments you made toward loan origination fees and/or capitalized interest on loans made before XX/XX/XXXX. I have never had any loans inXX/XX/XXXX at all. 

BATE and Switch Recipient 's lenders name on another 1098E for tax year XXXX ( Student Interest received by lender ) ( {$1200.00} ). 

XXXX, sent to me for tax year XXXX interest was only {$220.00}. 

Now, I have been making payments to XXXX and receiving 1098E from XX/XX/XXXX-XX/XX/XXXX incorrect reporting interest for each tax years. 
This company turns around and have there apparent company Educational Credit Management Corporation. 

Once again this XXXX XXXX mentality taken advantages of XXXX XXXX XXXX borrowers economic income while paying off actual loans that I owed.
Consumer complaint received 2020-05-05
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. (PA)

there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.
Consumer complaint received 2020-05-05
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. (IN)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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: JPMORGAN CHASE & CO. (MI)

I have 3 credit inquires that I never authorized or applied for. 1. JPMCB. I never applied to this company and never requested a credit from them. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.
Consumer complaint received 2020-05-05
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. (NY)

On XX/XX/2020 I sent XXXX, Experian, and XXXX  FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.
Consumer complaint received 2024-08-20
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. (VA)

To whom it may concern, I have been informed that there are negative information reported by US Bankruptcy in the file you maintain under my social security number. Upon ordering my credit report, I see 3 entrys from this court listing with reference # XXXX Filed XX/XX/XXXX, and Reference # XXXX Filed XX/XX/XXXX and Refrence # XXXX Filed XX/XX/XXXX The entrys with this court appears to be inaccurate.

Please verify and validate this this information with the court and provide with documentation associated with these accounts granting you authorization to report this information, bearing my signature, I formally request this information be immediately deleted from the credit profile you maintain under my social security number.

Best Regards
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30 day late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

To whom it may concern, I submitted a request to FedLoan Servicing to update the number of qualifying payments I have made towards my public service forgiveness program. They keep denying my request to update despite me having provided the required information. ( see attached documents which clearly lists my employers name and address, the fact that I am still employed at the organization and the date the document was signed by my HR department ). Additionally, the first letter that I received from FedLoans stated I was only missing the name of the institution. After this information was added and the document was resubmitted suddenly more information was missing from the exact same document I had initially submitted. This does not make sense. I had to file a complaints last year to get my number of qualifying payments updated. This company does not want to provide their customers with something as simple as providing the accurate number of payments an individual has made towards a forgiveness program. 

Best, XXXX XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NV)

I went down to Chase bank three Saturdays in a row to open a CD. They were sick, they were on vacation, they were busy. They told me to open my own CD on line. I said you have to be kidding me. They said no. I opened a CD. This is the first month I am due interest. It never showed up in my account. I called them. They said I had chosen the option to have my interest paid at the maturity date of the CD. This is NOT true. I was never given that option. I was suppose to see my interest every month and it was suppose to go in my account so I knew I was getting it and I could see what I was getting. I called Chase. The reference number is XXXX. No one could help me modify the CD and said I had to go to the branch????? The whole process was totally misleading. I should not be opening my own CD on line with no one to explain things to me. I opened another CD at another bank and it went perfectly. Chase has zero customer service. When I called them they had to transfer me to four different people before anyone even knew what I was talking about and that person said I had to go to the branch where no one is ever available. I want my interest on my CD to show up either in my CD or transferred to checking account monthly so I know what I am getting. At this point I am getting the run around and am being told that nothing can be done and see you XXXX, XXXX, 2024 and at that time I will know what I am getting and can get my interest money and how much it will be???? I plan on taking all of my money out of Chase on that date and never doing business with them again. 

XXXX XXXX
Consumer complaint received 2020-05-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

I attempted to refinance a Chase.com mortgage based upon rapidly changing market conditions. I am currently a Chase mortgage customer. 

On XX/XX/2020, I was issued a quote for a 15-year fixed for including points of 0.265 %. 
Then on XX/XX/2020, I was issued a quote for the same mortgage product for 0.866 %. 

No difference in Credit Score or other factors was presented to the brokers. 

Chase Mortgage is using the coronavirus situation to inflate points related to a national crisis to profit and price gouge customers. 

Chase has advertised in both mailings and on their website a rate of 2.5 % ( APR 2.651 % ). This is completely a bait and switch advertisement.
Consumer complaint received 2020-05-05
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. (GA)

This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2020-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

To whom this may concern : Thank you for taking the time to read this email. Im writing because I noticed that my most recent credit report contains 60-day late payments reported by FedLoan Servicing from 2014. These incorrect notes are being listed on all ( 9 ) loans that I have with them.

- The payments should not have been reported as I was under a forbearance period.

- Those forbearance was needed due to an XXXX XXXX XXXX   that required multiple months to recover ( I was unable to care for myself without assistance during the recovery ) - I was told by FedLoans that there would be no negative credit reporting and the forbearance would protect me from any negative action.

I've reached out to FedLoans to make them aware of the mistake, but I did not receive help in resolving the matter. As you may imagine, the impacts of this late payment has had a negative impact to my credit report. I have had excellent repayment history for all of my debt obligations, this is not an appropriate reflection of how I handle my responsibilities. Please help me resolve this matter. 

Thank you
Consumer complaint received 2020-05-05
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. (GA)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXE : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : XXXX : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX   XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (NH)

Hi, The re have been attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX.- Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 2020
Consumer complaint received 2020-05-05
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: Meridian Financial Services, Inc. (IN)

My grandparents bought a timeshare from XXXX XXXX many decades ago. They let me use it a couple of times. When they died, it was bequested to me. I never accepted it, I never executed any documents, I never received any disclosures. 

I started receiving maintenance bills - which I paid for awhile as a young person because I didn't know any better. Ultimately, I could not afford to pay them and contested. XXXX XXXX claimed I was responsible because the timeshare was willed to me and I paid several bills. I disagreed but could not afford a lawyer to contest. 

Since that time, they continue to bill me then send the unpaid bill to Meridan Financial, which places me in collections every year and reports to credit bureaus. 

I have been turned down for loans and mortgages due to this negative reporting. I have contested with all three credit bureaus but they have not removed the reports, which accumulate on an annual basis.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I was approved for deferred/forbearance on my Chase Visa Signature card for 3 months. 
They charged me interest and would not refund me the interest charge even though I paid the card off in full even approved for deferred payments.
Consumer complaint received 2020-05-05
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: DISCOVER BANK (FL)

My bank had a payment that cleared my account XX/XX/2020 in the amount of {$18000.00}. However, my discover credit card do not have any payment posted to my account. I called Discover Credit Card to notify that the payment has not posted to my account, and they have told me that they can't do any type of investigation until after 10 business days. I explained to them that is creating a financial strain giving the amount of money that I paid, but they refuse to help or investigate. They also instructed me that after 10 days it can take 10 -14 days for them to investigate further. My concern is this puts me in a financially uncomfortable position where there is {$18000.00} not accounted. I told discover that I have the trace number that the bank have given me, but they refuse to take any action until 10 days after the date the funds cleared my account.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

In XXXX, I tried to purchase a house. When I pulled a credit report, I noticed I had a collection from the Credit Bureau of FWB that plummeted my credit. The {$1000.00} collection was from a hospital bill that should have been covered by insurance. 

On Monday, XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX ) in XXXX, Alabama for a XXXX  XXXX. After the co-pay, most of the medical costs for that same day were covered by XXXX XXXX of Alabama. However, there was a third party doctor group ( XXXX XXXX XXXX XXXX ) that did not submit the bill to my insurance, and therefore went into collection. Less than two years later, I contacted the collection agency and XXXX XXXX XXXX Alabama numerous times over several months. There were a couple of times when I would get both the collection agency and XXXX on the phone together. XXXX  of Alabama agreed that the bill should have been covered by my insurance. The issue is that XXXX XXXX XXXX XXXX no longer existed and were not able to re-file the medical bill with XXXX of Alabama. Because the two year window to file the bill on my insurance was closing, XXXX agreed to cover the costs. However, two years later ( XXXX of XXXX ) the costs were never covered by my insurance ( XXXX ). Both XXXX  and the Collection Bureau of FWB both  have phone records of these conversations. Some occurred between them and my mother, XXXX XXXX and between me and them. I have had insurance my entire life without a lapse and find it incredibly discouraging that XXXX XXXX XXXX XXXX is going to cost me {$1000.00} and ruin my credit.