davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CT)

Nelnet Servicing sold to XXXX. I have put in a dispute several times to remove negative report of past due account. My accounts are on deferment status and it should show in good standing. This is impacting my credit score significantly. After several attempts this negative report is still on my credit report.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

the creditor has refused to provide me with a XXXX for a charged-off account, account date of charge-off was XX/XX/year>, in the amount of {$2400.00}, and have attached the letter I mailed to them trying to collect the form. I am legally entitled to a 1099-C form, but they are not providing it. 
Not having the XXXX099-C is affecting my financial situation, such as preventing me from accurately reporting income on your taxes.
Consumer complaint received 2017-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MD)

CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I am a victim of predatory lending practices which targeted uninformed minorities seeking homeownership. On XX/XX/XXXX, XXXX wa pressured into aquiring a home equity line of credit before closing the deal on the primary mortgage. At the time I was not informed about mortgages or HELOCs and signed contracts through deceptive sales tactics before given the opportunity to consult with an accountant to determine if I could afford the loan without causing finacial hardship. I was preyed upon due to lack of understanding about loans. terms, and financing. I struggled to keep the second mortgage current and eventually defaulted due to severe finacial hardship. I made the last payment in XX/XX/XXXX to XXXX XXXX. 
Due to the status of the economy after the mortgage meltdown ( toxic loans ) I enrolled in a home modification program, Hardest Hit Fund Principle Reduction through XXXX XXXX XXXX that forgave partial principle on the first mortgage. I was told that the HELOC qualifed for forgiveness as well and I applied. When I recently attempted to refinance my home the second mortgage appeared as a lien. I was never contacted by any lender in twelve years until I intiated contact to resolve the issue. I was under the impression that the second server, XXXX XXXX had forgiven the loan. I've reached out to XXXX, XXXX XXXX, and Loan Care ( sub server ) and continue to get the runaround.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SYNCHRONY FINANCIAL (FL)

My father and I have a loan with Synchrony for a recreational vehicle. In XXXX the vehicle was in a fire and declared a total loss. The loan had a gap policy attached. The insurance has paid with the remaining balance being {$1600.00}. I have submitted everything for gap except the full payment history which ive requested 4 times from synchrony. They hAve confirmed each time they have sent and I have not received. The gap company refuses to pay without the payment history and I have spent hours to no avail back and forth with the company. The time frame is coming to an end for me to exercise gap and im paying on a vehicle I do not have. This has been a nightmare
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

From JPMCB bank its was opened two froudeluent accounts under my name and my credit report is in disaster I did FTC report regards this accounts with police report and did send to credit agencys.XXXX fraud department representative don't want to block or delete this fraudulent accounts from my report saying that they are waiting from company to respond and its already 90 days. 
Thanks for your attention. 
Sincerely XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

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 : It also states a consumer reporting agency can not furnish a 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.

15 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. 
Transcript Follow along using the transcript.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I opened a XXXX XXXX Unlimited credit card in XX/XX/year>, and one of the promotional offers was {$200.00} cash back after spending {$500.00} in the first three months. I met that requirement, but the bonus was never credited to me. When I called customer service to check on the status, they told me that my card terms didnt include that offer. I have a screenshot of the terms and conditions from when I applied, clearly stating the {$200.00} bonus, but they are saying I'm ineligible.
Consumer complaint received 2024-09-10
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. (NJ)

I recently checked my credit report and saw several billing mistakes under 15 U.S. Code 1666 ( b ). These include errors with payments and calculations. The creditor didnt send me a statement 21 days before, so there shouldn't be any late payments. I need proof from the creditor showing I missed payments and was marked late because of their mistake. By law, these errors must be fixed or removed immediately. If not, I will seek compensation in small claims court for violating my rights.
Consumer complaint received 2024-10-28
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: 2288984 Ontario Inc. (FL)

Dear To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your correspondence. I request that you provide proof and validation of this debt as required under the Fair Debt Collection Practices Act. 

Account name : XXXX Account number : XXXX  Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any other relevant information pertaining to this account. 
Until I receive the requested documentation, I consider this debt disputed and request that you cease all collection activities. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

I had a dispute for the {$270.00} transaction from   XXXX   XXXX   XXXX   XXXX   XXXX   as they charged me twice, and I filed the dispute on  XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on  XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on  XX/XX/XXXX  to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on  XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of  XX/XX/XXXX  for the service that had not been completed the previous day of  XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On  XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on  XX/XX/XXXX  they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have been trying to upload documents to have items removed from my credit due to XXXX XXXX. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-10
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)

I have noticed several hard inquiries on my credit report that I did not authorize. These inquiries are not mine, and I request that they be removed immediately. Please update my report accordingly. Thank you for your prompt attention to this matter. 

Please see attached file
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have  XXXX  store credit cards with Synchrony Bank. A Belk Card, and a   XXXX   XXXX   Card. Within the last 2 months, they have reduced the credit limit on both accounts just when I had the balance down to under 50 %. This has damaged my credit because by lowering my credit limit, they have increased the balance to credit line percentage to 97 %, and 99 % respectively.
In addition, they made this decision by pulling my credit report, and judging my credit history, not from the credit lines I have with them, but by using my entire credit report against me. I have worked very hard to bring these account balances down, only to have that work against me because of these big credit limit reductions. For my Belk Card, they reduced my credit limit from {$300.00} to {$200.00}. The   XXXX   XXXX    card was reduced from {$300.00} to {$140.00}. These changes were not gradual, but immediate.
I asked them to send me any documentation showing that I gave them authority to pull my credit whenever they felt like pulling it. All they would give me was their website for their bank terms. They also said, they had the right to lower my credit limit. Should n't they lower, or increase my credit limit based on my account with them, not others?
They have ruined all the progress I made on those accounts.
The refuse to restore my previous credit limit. They wo n't fix any damage they have done to my credit score. By lowering my credit limit, they have sent a clear message to every other creditor, that they do n't believe I can handle my account. It 's not true. I got these cards to build up my score so I can buy a house, they have hindered my, and does n't seem fair.
Can you help me?
Consumer complaint received 2024-09-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (CA)

In XXXX I noticed I had collection accounts on my credit report, I immediately notified all 3 major credit companies. I advised them these are not my accounts. I provided all required documentation to experian and till this date they have not corrected my credit report. They are giving me the run around and it's been more than 45days
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (FL)

I received a collection on all XXXX credit bureau for a company name USCB representing XXXX XXXX however I've never attended that school. Last I spoke with a representative and explained i needed proof of this debt instead they sent it to collection for {$520.00}. I would like for this to removed off all XXXX of my credit it is not my debt and USCB have yet sent me any debt verification.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-10
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (TN)

On XX/XX/year> I mailed a dispute letter to KIKOFF who is reporting false information on my credit with all three credit agencies and I mailed a certified returned receipt letter to them and the letter came back as not deliverable as address and unable to forward on XX/XX/year>. I also disputed it with the credit agencies who responded that this debt is accurate and the address they provided is not an accurate address. 
According to Federal Law, a company reporting a debt is to provide an accurate mailing address where consumers can write them and due to not having been able to reach them to a legitimate address, then the credit agencies and KIKOFF are committing Fraud per Federal Law. If they do not immediately delete this reporting from all credit agencies within the next 15 days, I will petition them and the credit agencies to provide evidence to collect on this debt and I will be pursuing them for fraud, defamation of character, damage to my credit worthiness among other charges.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (NC)

This complain is about the Navy Federal cash rewards credit cards. I have been banking with them since 2014 and I have the credit card in question since then as well. currently the limit on my credit card is {$16000.00}. While I was in   XXXX    program, I made a conscious effort to go into a partnership business by setting up a   XXXX   XXXX   borrowing off my credit card with the hope of increasing my source of income. Overtime, this was n't the case and currently I have been paying back on this credit card. Recently, I realized for almost a year now I have been paying the minimum amount on this card without using it for any purpose, yet this whole payment has been overshadowed by interest on purchases and interest on cash advances which in return literally takes my minimum payment for interest only. I did a personal calculation on what I have paid so far in a year it all summed up to about {$6500.00} yet my credit card debt only show an available balance of less than {$1000.00}. Meaning they are forcing me into some form of debt servitude/peonage because despite making monthly payment I ended up still subjected to making more and more payment only for them to claim interest on it. Initial reaction I thought minimum payment only meant you have more years to pay off your debt not pay off some false interest that is usually taken what you pay. I hope this can be resolved with this bank because they are taking advantage of service members with this practices at the expense of their own existence. This is a fraud and something has to be done if not it will be extended farther than expected. Thanks