davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (WI)

I paid money to fix my credit and after my credit score went up I received a inquiry on my report from LJ ROSS & Associates for a balance of {$12000.00}, when I disputed the account they told me that it was verified. I know that in order for an account to be verified I had to have signed for it, I did not sign for this debt. I then sent a letter to this company asking for a copy of my Wet signature to prove that I signed for this debt. They never responded and its been over 30 days, I gave them 30 days to respond. I sent the letter off XX/XX/XXXX of 2024, they still have not responded to my letter. They are holding me and my family up from purchasing a house, among doing other things for the benefit of my family.
Consumer complaint received 2017-11-08
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. (CO)

I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and Equifax and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Consumer complaint received 2024-07-10
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. (NC)

I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TX)

My daughter attended XXXX XXXX XXXX XXXXXXXX XXXX in XXXX and graduated in XXXX. When she went to school she was promised that she was going to graduate with a job and that never happened. She never had the opportunity to work on what she study because every job required experience in field. She went back to the school and spoke to them about he promised job and they never helped her find XXXX. We are now on XXXX and and she is still trying to off the loan for a fraudulent school that never help her find a job. As of now she still owes {$26000.00} under my name and she has been struggling to pay the loan on a school that was fraudulent and the school was closed. Navient is not willing to help me and refuses to provide me with the application. My daughters loan under her name was been cleared up but Navient has not cleared up the amount owed under my name.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. US DEPT ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-08-04
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. (NJ)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-10
Product: Credit 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: JPMORGAN CHASE & CO. (IN)

On XX/XX/year> I paid {$500.00} on a deposit with JP Morgan Chase XXXX XXXX on a JP Morgan Chase Freedom credit card ( it is also a Visa card ). The deposit was a hold for going through the mortgage application process. Over the next XXXX weeks the mortgage lending team continuously added more requirements to their process and regularly moved the goal post on what I needed to do to get the mortgage application to a closing date. After XXXX weeks and still very far away from I decided it was best to use a different mortgage lending company. 

According to Chase XXXX XXXX the deposit is nonrefundable if the applicant voluntarily withdraws their application. I'm arguing their lack of customer service and regularly adding additional requirements on the application gave my wife and I no choice but to withdraw our application. 

I went to dispute the charge on my JP Morgan Chase Freedom XXXX and their representative said they would not be allowing the dispute due to the nonrefundable part of the application. 

Since I was asking XXXX division of Chase to dispute a credit card charge from a different division of Chase I don't believe my argument of not having any real choice but to withdraw our mortgage application was given any real consideration.
Consumer complaint received 2019-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion are reporting 90 plus days late on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please remove this line item from my credit report.
Consumer complaint received 2024-06-04
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. (MD)

When this erroneously showed up on my credit report, I submitted a request to have the information removed from my credit report to Experian. They, apparently, did not do their due diligence and research that this was a valid debt. They indicated " Meets requirements of the Fair Credit Reporting Act '' Although it has been pointed out to Experian, that this company has a history of scamming other consumers, they refuse to remove this from credit report ... they referred it to fraud department. As such, this company has over 124 complaints ( 13 pages ) on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many many many other victims that have had the same experience with Experian indicating that they have verified that the debt is valid, and they have not, and will not provide proof of such documentation.
Consumer complaint received 2024-07-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION (NY)

Agency manipulated the United States Constitution, published information about my XXXX XXXX XXXX without consent, slandered and lied during Financial Discussions when I had asked for XXXX XXXX against the person. Individuals used my social security number to apply for housing. 

During my stay here individuals broke lease agreements like my roommate smoking cigarettes regularly, person 's coming to my room asking for methamphetamine, people telling the word XXXX at all hours of the day, XXXX intimidating me like coming near my door ( XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 

I will not be returning to this estate
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 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 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-21
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: SYNCHRONY FINANCIAL (CA)

I have a inquiry that I dont recognize at all. 
Under SYNCB. There is no amount. Date that was posted XX/XX/2019. I did not apply or do anything recently.
Consumer complaint received 2024-07-03
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: TRUIST FINANCIAL CORPORATION (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-08-21
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (MD)

I had just gotten my debit card not long ago from Card.com/XXXX XXXX  & it was the XXXX one sent to me, as the first never made it to my apartment. I never deposited money into the account, originally ; until recently I needed a debit card to receive a refund on. I tried calling the company within XXXX hours of the refund being processed by the store & was informed it would take XXXX business days to see my funds. Now at the same time I was waiting patiently, I tried logging into their app, only to find my card was no longer linked & it supposedly was showing my account balance as {$0.00} but upon calling the company today ( XX/XX/year> ), the recording stated I had the refund amount deposited in my account as of XX/XX/year>. I attempted to relink my card to my account profile, but was unsuccessful. I also attempted to add the card to my XXXX profile in hopes to just transfer myself the funds but the site says the card declines, each time & wont even save the card to my profile. Im not sure how this company is still in business when checking the XXXX XXXX XXXX site theres a slew of complaints where people have been unable to access their money or having to jump through unnecessary hopes to access it. Shame on me for not checking there prior to using the card & now it makes sense why I waited to use the card to begin with. I will attempt to call customer service again on Monday XX/XX/year> since the recording indicated theres no live agents available on the weekends ( Ive never heard of this from a legitimate bank/debit account ).
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP (OH)

I've tried to start an account with XXXX XXXX and they changed my account from me being able to use checking to just being an savings account. They said they did this because they received an flag from key bank stating something about an account i've opend with them. And i have never had any other checking account other than XXXX. So they sent me the paper work from XXXX XXXX  so they i can get everything settled and disputed so that i could be able to use my XXXX XXXX account.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 {$11000.00} was taken from my joint savings account with my husband at our wells fargo bank. It states legal recovery set off XXXX. This is what is the money went. I went to wells fargo branch and they told me the payment was for the credit card that my husband had for wells fargo credit card that he failed to pay. We ask them for the credit card statements but they told us it was already closed and advices my husband to call the debt collector which is the XXXX XXXX XXXXXXXX. I checked our bank statements and we have proof that my husband has been paying the credit card and in fact already done paying it thats why he closed the account. But we never got any notices that he still owed them. Now all we are asking is a credit card statement so we can prove that we are done paying it but wells fargo is refusing to work with us. We are an average working couple who struggle everyday to provide for our family and trying to save what little extra money we have for our XXXX childrens future and for them to just take that money and even refused to show us proof of the debt that they said my husband had with their wells fargo credit card. This has put so much emotional distress on us and financially.
Consumer complaint received 2024-07-08
Product: Credit 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: Chime Financial Inc (TN)

On XXXX XXXX I purchased a phone online from XXXX by XXXX for a XXXX. The device mailed to me was incorrect and the box remained unopened. The device was shipped back immediately using the merchant return label provided. On XX/XX/XXXX the return tracking number via XXXX confirmed received and signed by employee of merchant. I was advised it could take 30 days to see a refund. On XX/XX/XXXX the merchant emailed me confirming they received the device and will issue refund within 10 days. The refund was never received and the merchant stopped responding to any messages. On XX/XX/XXXX I created a dispute with my bank Chime and provided them all the same info and documents of the returned device and also the merchant email confirming the warehouse received the device but no refund issued. 10 days later i received a notification stating the dispute was closed and denied due to no response from merchant. I asked what brought them to this conclusion after all documents show the issue clearly, I was advised the department that handles disputes does not provide details on how they come to there conclusion and that they would send me the documents used to make there decision. The email i received only had the original documents that I provided to them and none from the bank Chime themselves. A supervisor also confirmed i submitted all necessary documents and she didnt understand why the decision was denied but that she also could not overturn decision.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

JEFFERSON CAPITAL FRAUDLENTLY ADDED A COLLECTION TO MY ACCOUNT. I DO NOT HAVE AN ACCOUNT WITH JEFFERSON CAPITAL. I DID NOT CONSENT FOR MY INFORMATION TO BE SHARED WITH JEFFERSON CAPITAL. MY RIGHTS WERE VIOLATED AND IT RESULTED IN MY CREDIT REPORT HEALTH BEING DAMAGED.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I got 2 gift cards from vanilla gift card. Both had {$500.00} dollars on them. When trying to make a purchase, neither of them worked so I called them and they told me they both had a full balance still. Although they had a full balance of {$500.00} they both got declined everywhere I tried to use them. 
At this point I requested a refund on both of them as I didnt want to deal with the trouble. They told me to send documents such as pictures of the cards as, and the receipts and the cases of the gift cards. I sent this information to the email. They provided to me and followed up shortly after. When I followed up, they told me that they had not received the documents although I received an email confirming that they had received the documents. This process repeated for a few weeks and we went back-and-forth. I would send the documents and they would tell me they didnt have them. Finally, after escalating the case multiple times, they said they had received the documents over a month later. At this point I kept calling to see if they had send out the checks for the refund of both cards which they said would be sent to me. Every time I called, they told me that they were still being processed and that they were working on it and I should have it shortly. I called about a week ago and they told me that the checks should be in the mail within the next week. I called again today and I was told that the checks were sent out on XX/XX/XXXX and that they would escalate the case in contact USPS because I never received them, I believe that they are trying to keep this money from me or dont intend to send it every time I have asked for some formal written proof that theyre doing what they said they refused to give this written documentation. I even asked if I could speak with someone higher than the supervisor or if I could speak with their backend and they refused to let me speak with anybody else when I asked where I could file a formal complaint they also refused to give me any link or to file a complaint. Theyve done everything that they can to make sure that I do not receive this money or theyre trying to make it so difficult that I just give up and choose not to get the refunds. This is not an option for me they owe me {$1000.00}, and I do not have that kind of money to just throw away. 
Thank you for your help. I truly hope this can be resolved.