davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IA)

After reading the article about XXXX lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on the XX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points. XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of $XXXX but I pay $XXXX and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and XXXX   has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point XXXX  has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up XXXX them for do the right thing.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JTM Capital Management, LLC (CA)

XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

In a previous complaint ( ID : XXXX, please see ID for additional information ) I had requested that Experian delete my account such that I am unable to sign in. Yet again, as with my previous experience with their customer service, I am misunderstood. I understand my free membership benefits were discontinued. That is not what I had requested. What I want is to not be able to sign in to my account online AT ALL, as I can still sign into my account and request actions such as freeze or unfreeze my credit. I do not want online access using my email whatsoever, as if I had never signed up at all.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CA)

I filed for Bankruptcy, Chapter XXXX in XX/XX/XXXX. I had an existing XXXX  's credit card with a XXXX  balance at the time. My bankruptcy did not include XXXX  's on the Schedule F. I thought I would receive notice that they closed my account, but they never did. I used the credit off and on over the next 5 years always paying my balance off right away. My BK was discharged in XX/XX/XXXX. The next time I tried to use my XXXX  's card it was declined. I called to see why, and they told me it was because I was in bankruptcy. I explained that I was in BK but that it is now discharged, and that XXXX 's was not even a part of it. They refused to speak to me any further. I have not tried to open another account with them. I did not realize they were reporting derogatory information to my credit. Now my husband and I are trying to qualify for a home loan and the current lender is telling me that XXXX  's is reporting that they closed my account because of bankruptcy. The lender is stating that if it wasn't for XXXX  's there would be no mention of the BK at all on my credit report and that this is tripping us up as to the home loan we want. I believe XXXX 's should remove this information from my credit as they were not even on my Schedule F. I have made several calls but all they do is refer me to an address and won't even listen to my complaint. I gave them permission to speak with my lender and the credit bureaus but XXXX  's will not acknowledge that they were not even a part of my BK. I have the copy of the Schedule F that clearly does not list XXXX 's.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (GA)

I have been awaiting a Lien Release from XXXX XXXX XXXX XXXX XXXX ever since the buyout from XXXX XXXX XXXX, XXXXsince XX/XX/XXXX2013 and would like to find out what I need to do to obtain this information. I have already contacted XXXX and they state it needs to come from XXXX XXXX XXXX XXXX XXXX 

I would like to have this matter solved soon. This has been an issue when one company sells out to another and does not take responsibility for the customers needs that should have been taken care of originally.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase Ink credit card for my small business that was opened in XX/XX/XXXX. Account fell behind on a monthly payment and Chase unilaterally suspended account and increased interest. As the authorized person on the business credit card account I reached an oral settlement agreement with Chase on XX/XX/XXXX, outlined in part in a letter sent from Chase to my office confirming outline of settlement agreement to my office. I made timely payments per the settlement agreement ; however, Chase did not update the account status and pay history as agreed to " settled '' for account status and current for pay histories for months of XX/XX/XXXX through XX/XX/XXXX. I only entered into the settlement agreement based on the understanding that Chase would perform these corrections for the credit reporting on the account so it would not negatively affect my business or personal credit opportunities going forward.

I attempted to correct these issues with Chase twice in XXXX and XX/XX/XXXX with no success. In anticipation of applying for home mortgage pre-qualification in XX/XX/XXXX, I again reached out to Chase requesting that it correct these incorrect derogatory credit reporting issues. Chase responded by updating the payment status to 90 days late, in breach of our settlement agreement and adversely lowering my credit score, and by updating the pay history to reflect Negative for the month of XX/XX/XXXX, as opposed to closed and current on payments as the account was per the settlement agreement and my performance of the same. 

I again reached out to Chase in XX/XX/XXXX by phone after an indication an application for a substantial business line of credit was preliminary denied specifically based on the incorrect credit reporting for this account that has still not been corrected by Chase. I I disputed the incorrect information through an online dispute process with XXXX, by phone, and have sent a certified letter and supporting documentation concerning why the reporting is incorrect and in violation of our prior settlement agreement. I have also requested account notes from Chase and have been informed I will not be given the account notes without enforceable legal process seeking such account notes.

Chase has confirmed we entered into a settlement agreement on XX/XX/XXXX, and I performed all my obligations per the agreement ; however, it persists that it can not report the account as paid as agreed from XX/XX/XXXX through XX/XX/XXXX and that even though its letter confirming the settlement agreement stated the account was closed in XXXX they continue to persist they can not report my account as paid as agreed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have attempted every method to amicably resolve this erroneous credit reporting short of litigation and this is my last effort to resolve this matter without litigating Chase 's failure to perform its obligations per our settlement agreement.
Consumer complaint received 2019-01-04
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. (GA)

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( Experian, XXXX, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX )
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Reached to credti acceptance atleast 20 times and no result.

My loan is faulty. 

Warranty of XXXX Gap of XXXX Loan fee of XXXX They were all described as mandatory by dealership. Loan company still hasnt called me to further investigate.

The taxes and fees were wrong plus i had to pay another {$320.00} out of pocket to register the car. 

The bill of sale is completely wrong Also extra XXXX was added to my loan which is incurring interest also. 

I removed the waranty and Gap but they wont fix my rate of balance with monthly payments. 

I took out a XXXX loan which turned to be XXXX with all the extras. 
Car dealership is now pending court hearing for refusing to give back down payment. 
this was already a super high interest loan at 25 % The loan company is very negligent and uneducated. Its very scary they work with dealers as such. 

My apologies i didnt proof read.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : - ; XXXX  XXXX XXXX Balance Owed : - ; XXXX  XXXX Balance Owed : {$2.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX *** Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$510.00} ; XXXX  XXXX XXXX Balance Owed : {$53.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ), the XXXX REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-09
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681 Section 602 A. States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

16 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Consumer complaint received 2019-01-04
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)

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, XXXX, and Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion and XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion )
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

On a regular ( at minimum 2 times a year, realistically, quarterly ) Navient " accidentally '' applies all, or a portion of my loan repayment for my private loans ( high interest rate ) to my federal loans ( far lower interest rate ). Then, they apply a late fee, send collection letters and remove my participation in loan repayment incentive programs ( ie minor interest reduction for timely payment ). This has been increasing in frequency in the last 2 years. 

I have modified how my bank processes these payments to ensure that the account numbers reflected in my bill pay match those in my Navient statements for both types of loans. Yet, the problem continues. When I call Navient, they insist that I need to change my bank information. That is clearly not the issue. 

When I push back, they end up tossing me back and forth between the private loan servicing side, and the federal loan servicing sides of customer service- insisting neither can fully fix the issue. I typically have to point out I have already spoken to the other side of the company at least 2 times before the person trying to transfer me " looks one more time '' and is able to fix the problem. 

At this point, there is no way this is a fluke. It is persistent and nearly impossible to fix in any lasting or meaningful way- and the only solution Navient provides is that I sign up for their auto-debit. I do not trust them enough to do that.
Consumer complaint received 2019-01-04
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. (TX)

On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.