davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting 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: Nelnet, Inc. (TX)

XX/XX/XXXX my score was negatively impacted by USDE Nelnet reporting my loans 90 days late while loans were in consolidation. They obviously did this intentionally. I had no control on loans transferring to another services - Aidvantage. They are deliberately sending me in circles. Filed credit bureau disputes. They only updated line on loans. My score is still damaged. Im
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (SC)

For months I didn't have access to my account and could not use my card, called numerous times but no help kept making payments when I called monthly to make payments on the account because I didn't have access to do it online the balance never changed dispite that my card was locked. When I finally got help I was told there was fraud on the account and I need to fax a copy of my drivers license front and back which I did on XX/XX/year>. Got access to my card now the company is closing my account and I still have to pay on the fraudulent charges
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX approximately XXXX XXXX XXXX, I activated my XXXX debit card with XXXX dollars in the balance. My mother sent me XXXX XXXX  of cash through XXXX. The transaction was processed for around XXXX hours. Around XXXX XXXX ( XX/XX/year> ), my account was flagged due to suspicious activity and was closed. I called the bank and they said they couldnt reactivate and ended all relationships with me, so I went to my local Chase bank. Once again, it was the same response and they couldnt do anything. I can also verify the XXXX transaction since I have the receipt of the transaction.
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (IL)

May you please find the solution for the balance, which we didn't know was a charge would be placed after my XXXX XXXX visited the clinic. The clinic stated the parents only responsible for {$600.00} we paid it on the date of service. 

But the laboratory sent over {$3600.00} bill for my son XXXX XXXX for the XXXX XXXX  they did. Beore I agreed for my son to see the clinic ( that referred by my son 's coach ). The clinic and the coach said nothing woul be charged or paid. The parents only response for {$600.00} on the date of service. 

It's not our repsonsiblity to pay it. We paid {$600.00}. We have medical insurance. If they told me we need to pay for XXXX XXXX, my son can do it when he was at home ( he was at home and did annual check out with primary doctor ). The doctor said if he did a XXXX XXXX within XXXX weeks. He is healthy boy, no XXXX XXXX  needs to be done. We don't have money to pay for it. it's fraud from the clinic and the referred party.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, Bank Of America ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

credit reporting agencies XXXX, transition, and XXXX have all publicly produced a credit report without my consent tarnishing my reputation and credit worthniess as by lawful defintion they have violated my right to privacy and their grave responsibility to be impartial and fair in fact they have been very far from fair and absolutely partial in all means of lawful definition. below I will attach and quote all consumer laws in which in fact have been violated by XXXX as follows. 


15 usc 1681 A ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 usc 1681 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Again I state that I never gave my consent nor did I instruct XXXX to create or furnish this report.
Consumer complaint received 2024-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NC)

On XX/XX/XXXX of this year I applied for a XXXX consolidation loan with XXXX. I was approved for the loan at XXXX  %. when I received my welcome packet my loan was for XXXX %. I made numerous calls to discover to ask them for a copy of my e-signature contract agreement and each time I was denied. On the third call I was told that I need to subpoena my e-signed contract. I have documentation of every call that I made to include dates and names.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AZ)

I was added to a Sams club credit card as an authorized user. They then ran a hard inquiry on my credit without any proper information. I did not give them my Social Security Card or any personal information. Nor was I given an option to get a hard inquiry on my credit. After speaking with a representative of the bank that distributes Sam credit card they were just as confused on the hard inquiry on my credit.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (FL)

On the XX/XX/XXXX the amount of XXXX was sent from my XXXX XXXX account to a lawyers office account at TD BANK. The recipient responded via email that TD BANK refused the transaction and that the funds would be returned. 

XX/XX/XXXX I made a reacall of the funds via XXXX XXXX XXXX department. I have confirmation of the recall. 

XX/XX/XXXX The lawyers office sent me the information of his financial service rep at TD BANK to contact him because he was not getting through in the return of funds. 

XX/XX/XXXX The financial service rep contacted me and said he was not at liberty to discuss anything about the client with a third party. 

XX/XX/XXXX The recipient said that the funds would be returned within XXXX to XXXX business days. 

XXXX Via XXXX 's TD BANK DM I escalated this transaction and was told they would contact me in 3 days XXXX The recipient contacted me saying he will send a letter to TD BANK threatning legal action.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Issue : Fraud alert not removed as promised by Equifax representative. 

Details : Spoke with XXXX ( Equifax ) on XX/XX/year>. 
Requested removal of fraud alert. 
Assured it would be removed from all bureaus. 
Fraud alert number : XXXX. 
Applied for loan on XX/XX/year>. 
Received hard inquiry from XXXX due to active fraud alert.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment fee is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (CA)

I received today a bill from company name XXXX XXXX XXXX XXXX. The wanted to collect {$900.00} for something related to XXXX account from PayPal dated XX/XX/XXXX or between XX/XX/XXXX and now. I don't have any ideal what XXXX is. I don't have an account with PayPal.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

On XXXX XXXX someone hit my car from behind I made a payment in XXXX XXXX the insurance company said the car was total out so in XXXX I didn't make a payment the reported a late payment on my credit report knocking my score down XXXX points after they have been working with the insurance company I call and ask when are they gon na remove this late payment they stated they would but didn't remove the late payment I didn't everything they ask of me to do an I don't have the car
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

Navient paragraph I took {$26000.00} loan out in XXXX Look up. I was scheduled to pay after graduation XXXX. However I was not able to get a good paying job to afford the loan. I also ended up filing bankruptcy around that time and navient student loan went into forbearance until bankruptcy was over. In XXXX or XXXX I was able to get a XXXX XXXX a XXXX making {$16.00} per hour. However then I was XXXX  off within XXXX  months along with XXXX other employees. I was tired of the run around tired of XXXX XXXX XXXX and nothing stable or that paid well in order to survive. I decided go to XXXX XXXX  XXXX  to get XXXX degree. My Navient loan was still in forbearance. Then XXXX happened and student loans were halted for everyone. I started paying Navient in XXXX, even though it was still in forbearance. My navient loan went from {$26000.00} to {$39000.00}. I couldnt believe it. Every time I paid {$370.00} different amounts went to interest and to actual loan. For example on XX/XX/XXXX {$160.00} went to loan and {$200.00} went to interest. On XX/XX/XXXX {$150.00} went to loan {$210.00} went to interest. THEN on XX/XX/XXXX {$300.00} went towards INTEREST and ONLY {$69.00} went towards paying off my loan. Then interest amounts are ridiculous! I have screenshots of each month when I started paying the full payment due of {$370.00}
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I submitted a complain against Experian, complaint # XXXX. This was in regards to a derogatory credit account illegally being reported on my Experian credit report. On XX/XX/2019, Experian responded back to my complaint explaining that the account I was disputing was not being reported on my most current Experian credit report, and that they would mail me an updated Experian credit file. Today, XX/XX/2019, I received said Experian credit report, and the item that Experian told me was not on my credit report, is in fact, on the updated credit report they sent to me, report # XXXX, dated XX/XX/2019. I have scanned page 4 of the report that continues to illegally report this negative account on my Experian credit file.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

XXXX. On XX/XX/2019, I applied for and was subsequently approved for XXXX Premier Checking account ending in XXXX in response to a mail promotional offer of {$300.00} ( there was link on the letter as well as instructions how to get the bonus. Here is the link https : //www.td.com/us/en/personal-banking/checking-accounts/ ). The terms and conditions state that Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 90 days of opening your account. 

2. By the end of XXXX, I met all requirements of the Offer ( I had direct deposits of more than {$4000.00} coming into my checking account ). 

3. By XX/XX/2019 when it has been more than 90 days since opening the account, the bonus did not post. I contacted customer service for assistance and was advised by the a male specialist that an internal message had been forward to the marketing team to investigate my case. After verifying my successful direct deposit, the male specialist asked me to call again in the next few days to follow up. 

4. On XX/XX/2019, no bonus posted, no reply yet. I contacted the customer service again and spoke to a female specialist, she first verified my eligibility to get the bonus, and suggested me to wait for some additional time. After hearing that I called the other day on XX/XX/XXXX, she looked up my account and found a response from the marketing team. The marketing team says that I used a wrong link to apply and therefore I am not eligible to receive the bonus. Unhappy with the reply, I asked to be transfer to a supervisor, the supervisor didn't do much investigations and just made up some policy saying I am not eligible. ( These policies were targeted at my special case, not mentioned in the terms and conditions ).
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I deposited a check to my wife and my joint checking account with Chase. The check was from a small business that I co-own, and was signed off by my business partner. The check was for approximately {$25000.00}.

The following day, I received a text message indicating that the check had been flagged as potentially being fraudulent. I called Chase to discuss the situation and explained the basis of the check and was told that there would be a hold on the check until XX/XX/XXXX, at which point the funds would be released. I checked the status of the account on a daily basis, and the check continued to be labeled as on hold. On XX/XX/XXXX, I opened the Chase app and the check was no longer listed as on hold, and the full funds appeared to be available. 

On XX/XX/XXXX, we opened the Chase app and our checking account was no longer there. It had been completely erased from our summary of accounts. We called Chase and spoke to two employees for approximately an hour and a half, and there was no resolution. I then went to a physical Chase location and spoke with someone for approximately an hour. The issue was not resolved, but she indicated that I should hear back by the end of business that day, or the following Monday. She also provided me with a XXXX number and encouraged me to proactively call later in the day for an update. I called the number she provided later that afternoon and was again told that there was no resolution. 

On XX/XX/XXXX, my wife 's personal savings account was also completely erased from her summary of accounts. Her personal checking account is marked for closure. 
We spoke with Chase for approximately 2 hours. My wife spoke to the fraud department and eventually, the employee confirmed that he had submitted a formal report. He said he has dealt with issues like this before, and that he thought the situation would be resolved in 3-4 business days.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am writing to express my concern regarding a recent late payment reported to the credit bureaus by Bank of America. Despite not receiving any statements, emails, or phone calls, my payment was marked as delinquent, which is a violation of my privacy. I kindly request an explanation for this oversight and the steps being taken to rectify the situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I logged on to my MOHELA account to see info about when my forbearance ends, only to see INCORRECTLY that my recertification was due XX/XX/year> - this was despite the Department of Ed. postponing recertification until XX/XX/year>. Upon calling, I was told both by Dept. of Ed and MOHELA that my recert. is actually due XX/XX/year>. HOWEVER, I see that nowhere in writing, and I have no idea what information I need to provide. This despite the Department of Ed requiring 90 DAYS notice before recertification. And after waiting XXXX minutes on hold, I was transferred to a MOHELA supervisor, only to hear the office laughing and goofing off amongst themselves ; I kept calling out, but no one could hear me or was aware I was on the line. NO ONE WORKS, but they get paid? *Finally, * after an hour, I reached a supervisor who told me point-blank they are out of compliance, giving 60 days notice ( the website clearly says 3 months, so 90 days ).