davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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: AMERICAN EXPRESS COMPANY (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to AMERICAN EXPRESS XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-09-26
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: HYUNDAI CAPITAL AMERICA (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

Sometime in XXXX, loan servicer EdFinancial advertised to me through my online account and via their website the ability to check to see if I was a candidate to change my payment plan to lower payments. 

I completed an online form to check eligibility. I did not know or understand the information provided that I was applying for or consenting to a change in payment terms. I was only checking to see if I was eligible for a lower payment. 

On XX/XX/XXXX I received correspondence from the servicer informing me that I had been enrolled in a new payment plan and that my account was in an administrative forbearance. 

I emailed the servicer through their online portal and explained that I did not want the new payment plan and that the change had been made without my consent. I called their customer service line to discuss the situation and was informed that receiving a response or resolution could take up to a month. Since the increase was less than a dollar, I informed the representative that I would like the account noted that I was dropping my original complaint and would accept the new payment plan. I inquired if I would need to make double payments once out of administrative forbearance and was told no. I was informed that I would not be considered past due and that my payments would not start until XX/XX/XXXX, as per the correspondence received.

On XX/XX/XXXX, I reviewed via the services online portal correspondence dated. XX/XX/XXXX : I am changing my payment plan and payment without any initiation from myself. The new plan had the payments now starting XX/XX/XXXX and increased my payments by {$120.00}. Additionally, a statement was posted detailing an amount owed of XXXX. With XXXX being past due.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I am a member of Exhibit C Automatic discharge group. My Borrower 's defense application is approved. 

Both of my previous servicers have advised that my discharge is complete and provided me with the information submitted to the DOE. However, it is past the relief deadline, and my refund has not been received. The status of my discharge says processing, and each time I contact the XXXXorrower Defense hotline, it hangs up before transferring to a representative.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I sent a check to a vendor via mail. Somehow someone else intercepted the check and deposited it via a phone app into their account. after months of filing claims and paperwork the depositing bank has now denied the claim. It is a stolen check and yet I have to pay for both banks failures. This is not acceptable the banks involved are Chase Bank and XXXX XXXX XXXX  The check amount is $ XXXX and because Chase has not received a reply back from XXXX XXXX they are closing the claim. Money was stolen from me and no one will do anything other than send a letter and call it a day. When I spoke with XXXX XXXX they informed me that they will not accept any emailed documents and the request need to be in writing. Chase has sent the information to a different mailing address and has not received a reply so the issue has closed.
Consumer complaint received 2023-11-16
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. (NJ)

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
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.
Consumer complaint received 2024-04-01
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. (TX)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 



XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX, Experian, XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/24 To Whom it May Concern : Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : XXXX XXXX XXXX This is not how my name is used. Delete immediatly. 


XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reason : According to my records, this account is inaccurate and your company is reporting errors on my credit report. 

Instruction : Investigate and verify the accuracy of this account with the Original Creditor. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file. 

As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I made an order with XXXX XXXX on XX/XX/23. I want this item for my birthday and which was XXXX. I realized after speaking with merchant they stopped my order. I disputed the charge with Chime. Chime then said they denied my dispute. I contacted the merchant. They sent me an email stating which a screenshot that they tried refunding me the money but couldnt but the bank froze the funds. Chime has denied my dispute 3 times. Please help me retrieve my {$240.00}
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (TX)

Hello thereI have noticied an unauthorized inquiry on my credit report that I would like removed. It is the Inquiry from XXXX XXXX. According to the FCRA unverified and unauthorized items must be removed. Thank you so much.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (VA)

I received mail from Cash App yesterday ( Tuesday XX/XX/2023 ) with a Visa Debit card from Cash App. It had my name, a number, CVV, and expiration. On the card it said XXXX XXXX at the bottom along with cash.app. The paper that the card was attached to said Block , Inc. on it. From what I understand Cash App is owned by Block Inc. I did not ask for a card from them. I am concerned because I recently got a letter from XXXX XXXX about an account that was requested online. I see that there was legal action between Block and CFPB as well. When I called ( just now ) they asked me for my name and how long I had been living at my address. They wanted my email address to provide a link so that I could send them pictures of the card. I am really suspicious so I am afraid to move forward.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2024 I closed my account with XXXX  XXXX XXXX ( XXXX ) which issued a check ( copy attached in files below ) of my remaining funds and was sent to me through mail. I deposited the check into my chase account ( deposit receipt attached in files below ) on XX/XX/2024. The funds were delayed for 10 days as it is the norm. On XX/XX/2024, the funds were cleared however a hold was placed on the funds by Chase pending an investigation which involved Chase reaching out to XXXX to confirm the funds. Chase informed me that they require a " receipt of indemnification '' form from XXXX to conclude their investigation and release my funds. I visited a XXXX  branch and they were able to provide me with a receipt of the check showing all the information ( copy attached in files below ) as well as my bank statements showing that the funds did come from my account however they told me that they never provide indemnification forms or even know why Chase would be withholding my funds because the funds had already left their accounts at that moment and they couldn't do much to help. Since then it has been back on forth between Chase and XXXX. I set up an appointment with a Chase manager on XX/XX/2024 to discuss what other solutions were available for me. They kept requesting the same document as before. I then set up another appointment with XXXX on XX/XX/2024. The new manager informed me he would put in a request with the back office for the receipt of indemnification and that it should be ready XXXX days later on XX/XX/2024. It wasn't ready on the XXXX and they informed me to return the next day XX/XX/2024. When I returned, they provided me with their account closure department number and advised me to call the number and they will instruct me on what to do next. When I called, XXXX informed me that the best way they can help me is for Chase to reject the check and return the funds to the original creditor ( XXXX  ) and that they will reissue me the check and that they can't do much more because the funds had already left their account and that it is Chase who has suspended the funds. However, whenever I reach out to Chase, I am informed that they can't move on with their investigation to release the funds without receiving a receipt of indemnification form from XXXX and the funds will be suspended indefinitely without knowing the final date. XXXX also provided me with their check verification phone number for Chase to call and verify the check and the funds. I provided the number to Chase but I do not know why they wont call them to verify. XXXX keeps assuring me that the funds have already cleared from their end and that it is Chase that is holding these funds and they aren't exactly sure why. These are my savings and I need them to pay bills and support my family. Please help! I have been back and forth between these XXXX banks with no end in sight.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I opened a new checking and savings account as a XXXX XXXX with Citibank and referred a friend who also opened new accounts with {$30000.00} this same day which made me eligible for the XXXX bonus of {$100.00}. 

I have gone into the branch location in XXXX XXXX Florida at the XXXX XXXX several many times to have this bonus deposited into my account and also called which there is never an answer on their branch phone. I spoke with the manager XXXX XXXX ( XXXX ) and my account manager XXXX XXXX on over 5 occasions face to face both indicating this will be resolved. I have a file of email correspondence, Too date this has not been resolved XX/XX/XXXX. 

I spoke with a XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX both indicating that the bonus code was not coded correctly at the branch to apply the bonus. I was told I must deal with the bank as this was a branch promotion.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AL)

My local Truist bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted Truist several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my 20+ years of using credit. They still refuse to work with me to resolve my credit report issues.
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (IL)

Hi, I purchase a car from XXXX XXXX XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the lemon law. They increased what I owed and I never agreed to these terms.
Consumer complaint received 2023-09-26
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Paying my bill the process was difficult and confusing. 

1 ) At the time of the transaction at the Macys store on XXXX XXXX, I was told to open a new card. The clerk told me it was necessary to open a new card when I had a pre-existing Macys card open already in my name. 

2 ) Macys credit card services aggressively went a 1 week late payment on small balance. I received 4 to 5 calls a day for over a week for a balance of {$350.00}. I had only received a paper copy of the statement the same week the collection phone calls began. 

3 ) Access to the online payment system is cumbersome and slow. The online payment system is overly complicated, confusing and untrustworthy. The online system pushes customers to make a phone call to customer service. 

4 ) Every customer service rep I spoke to on the phone wanted my social security number. They repeatedly asked for it, multiple times during 3 customer service calls. 

5 ) Even after paying off my balance in full closing all accounts and receiving confirmation of the account closure by mail, I received yet another bill for interest for {$5.00}. The bill warns that the fee for late payment would be {$41.00}. 

Macys, the credit card company they work through, the customer service agency they contract with and the collections dept that guides them is out of control. 

This extremely poor level of customer service is why I will never recommend a Macys credit card to anyone.
Consumer complaint received 2024-04-01
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-01
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. (IA)

I have been a victim of identity theft while in a XXXX. I suffered from amnesia as well for the last XXXX. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED DOCUMENTS.
Consumer complaint received 2022-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

As of XX/XX/2022, Discover Student Loans ceased the ability for borrowers who are charged off from paying through their online portal. The only way to pay is by telephone where Discover Bank purposefully attempts to verify your personal information for debt collection purposes. They have provided me with zero explanation for this change of policy nor have they provided any notice whatsoever for this change of policy. I have made payments every month for six years on my charged off loan through the internet with no issues. 

They are simply attempting to prejudice alleged delinquent borrowers and inconvenience them.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I have a balance with XXXX XXXX of {$8700.00} and every month I make a payment at the court house of XXXX nc of {$50.00} and the balance does not go down for more than 2 1/2 years XXXX XXXX make fraud to me