davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I signed up for a Money Market account on XX/XX/20 with XXXX XXXX XXXX and was to recieve 5.5 % ( 5.64 % APY ) for 6 month. Went to check on the account using the mobile app or Huntington and was told they couldn't " merge '' it with my current on-lineaccount beause I used a middle inital and XXXX told me he would closed this and reopen a new on so I could see them both via the mobile app. He said he was going to make sure the new account got the promo code applied. I check after the 3 days and was told it didn't get applied. Someone else said they would handle it and again, I called 5 day later and nothing was done. I'm only earning .004 % on my $ XXXX which is incorrect. Each time I call, I am told " deposit XXXX XXXX XXXX needs to resolve it. I've called about XXXX 's now, Everyone tells me it'll be resolved in 3 days but it's not, I can't speak to anyone in that department and all I'm being told is " someone is looking into it ''. VERY poor example of customer service and I'm not confident anyone will correct this. I've already lost {$90.00} in interest. I'm ready to close the account but know they won't retro pay me so I'm trying to resolve using any methods necessary!
Consumer complaint received 2023-11-17
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: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/23 I was checking into a flight at the Delta Airlines Counter. The Agent assisting me noted the Delta Sky Miles American Express card I was using and told me that if I upgraded to the Delta Sky Miles Gold American Express Card I would receive XXXX miles on Delta. I normally would not sign up for a card with an Annual Fee but agreed for the XXXX miles - the Delta Agent signed me up for the card. 

I had not yet received the miles and contacted American Express on XX/XX/23 via Chat. I worked with an Agent and then their Manager and was told by both that I was not eligible for the miles because I was already an American Express customer when I signed up for the Gold card. The Agent representing and selling their cards knew that I was already a card holder when he presented the offer to me. I have been using this card that I signed up for specifically for this bonus that I was offered and will not be receiving. 

I was informed there was not another level of escalation to resolve this issue.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporter Act, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MT)

On XX/XX/2021 I noticed a fraudulent charge on my online Amazon/Chase account. I immediately called Chase and notified them. I have a confirmation letter from them, sent XX/XX/2021, saying they would look into it and send me a new card. I have been fighting this charge since that date. I get billed every month and every month I send in an Identity Theft reply and ask them to remove the charge. This month they sent me a letter ( attached ) saying, and I quote, " You notified us that this transaction is valid. '' I have never notified them of anything except that the charge is invalid. I have a file on FTC and have notified all the credit reporting agencies. What can I do now.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

EQUIFAX DOES NOT REMOVE THESE CREDIT CHECKS FROM MY HISTORY. I ALREADY SENT THEM REQUESTS FOR UNAUTHORIZED REVIEWS AND THEY HAVE NOT REMOVED THEM.

XX/XX/2022	XXXX XXXX	
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX		


XX/XX/2022	XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX		


XX/XX/2022	XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-09-11
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. (CA)

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 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 XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: ALLY FINANCIAL INC. (DE)

These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (WI)

Here is inquiries XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, address not mind XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX remove is items immediately
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I tried to clear debt up to remove negative report on my credit. Approx.  XXXX  weeks ago I received a billing statement carecredit I called them to verify, they told me they could give me no info. because the account had been sold to   XXXX   I called p.r.a. they show that I paid off an account with them on in  XXXX  of   XXXX  . I make multiple calls to carecredit they refer me to   XXXX  . I do have an account with carecredit the account is closed but not delinquent. I need some type of verification from them that the account is not late/delinquent .They refuse to send me a letter stating that I am not behind on the payments as erroneously reported on my credit report. There are  XXXX  phone numbers that I am referred # 1 refers me to 2 #, # 2 refers me to # 3, #  3  refers me to # 4, then # 4 refers me to # 1 .On and on it goes. Each one assures me that the next # is the one that can help me. I  n  the mean time I am being negatively effected financially. Carecredit/Synchrony bank are the worst companies I have ever dealt with it is like an episode out off The Office.
Consumer complaint received 2023-02-15
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Consumer complaint received 2023-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Sunlight Financial LLC (MA)

I'm trying to get a home equity loan. My bank is approved for the loan but my solar company Sunlight Financial won't release the loan which on their agreement is not clearly defined the homeowner can't refinance.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klarna AB (NJ)

My phone number ( XXXX ) XXXX XXXX and my email XXXX where used to open account with Klarna and made purchases. I have never had Klarna account or never used Klarna in the past. 

XXXX XXXX
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

In XX/XX/XXXX I applied for forbearance since my husband left me and I was not working at the time, loan care granted me 6 months. I also then started applying for a loan modification and have since gotten them docs requested and in a timely manner and the same docs so many repeated times.fast fwd to now XX/XX/XXXX and they have denied me a few times stating that my docs would expire and they have never sent me to and under writer because of this, I feel they are trying to get me to lose my house. I have every spoke to external emplyess that say they show they have all docs requested yet loan care still asks for my divorce decree and child support docs over and over along with other docs that never expire. My spoc. Is never reachable, never emails me back I have escalated this to a few different supervisors and no one ever calls me back. This company has been the worst mortgage services I have ever dealt with XXXX owning my home. This has been such a huge weight on my shoulders and seems no fixing in sight since they can just keep changing the rules of the game when I have complied with all they have asked and plenty more. Why is this so very difficult when I have tons of stress going on in life any ways and fear losing my home for me and my XXXX kids this frustrates me to no end and Im feeling hopeless.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I started paying on these loans on XX/XX/2012. Total payments towards Navient equal {$14000.00}. The balance of the loan remains almost at the same amount when the loans were first taken out. 

I also filed a complaint with Navient regarding the loans because some of those loans i don't recall signing for. When i was attending XXXX XXXX, i was paying XXXX over {$950.00} per month using my Gi Bill. On top of that, these loans were taken out for no reason, i was paying 100 % of the fees due to the school.

Attachment shows payment history.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

The account was frozen due to suspected fraud. The bank called me to sort it out, and now almost 2 weeks later my account is still frozen. I can't withdraw my money or pay any of my bills. When I call Ally, I get told there is no timeline for this to be resolved and they can not help me.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

LVNV FUNDING IS TRYING TO COLLECT ON THIS DEBT BUT THEY ARE NOT LICENSED TO COLLECT IN MASSACHUSETTS, I NEED THEM TO STOP THIS, IT SEEMS LIKE THEY HIRED A DIFFERENT COMPANY TO COLLECT ON A DEBT THAT IS NOT MINE.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX customer service representative.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IA)

XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :  Item Reason for Deletion   XXXX   XXXX   &amp; Navient Loan  where turned over to  Navient a nd then the department of education.     According to the provisions of the Fair Credit Reporting Act 6 11 ( a )  [  15 USC   XXXX i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.     Please notify me that the above items have been deleted pursuant to  XXXX   ( a  ) (  6  ) [  15 USC     XXXX    j ( a  ) (  6 )  ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [ 15 USC  XXXX j ],   there should be no charge for this report.     If you have any questions or need additional information, please contact me at address noted below.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , IA  XXXX  Social Security #  XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WI)

I have an auto loan with Wells Fargo. I received a call from them on Saturday, XX/XX/XXXX when I was out of town so I called back Monday, XX/XX/XXXX and setup a payment dated for Friday, XX/XX/XXXX to take care of my XX/XX/XXXX payment as well as pay extra towards the principal. This afternoon, XX/XX/XXXX, I received a collection call with them trying to collect and make arrangments on a payment I already setup. When I advised that I had a payment setup, I was told that I'm still delinquent and they have to ask why I'm late. I was never explained to why I received another call and was just told it will be taken as a promise and I won't be called back. It felt harassing to me after I have already setup arrangments and an apology for the call was warranted. If my payment was accepted by Wells Fargo, I shouldn't get calls asking for the same payment two days later.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I have two types of promotional finance offers on my credit card : Amazon.com " Equal Pay '' for no interest ( purchases made on Amazon.com for which I forgo the 5 % Amazon XXXX purchase credit to obtain longer payment terms ), and " MyChasePlan '' offers, which are equal pay plus a monthly fee that is, essentially, imputed interest. On XX/XX/XXXX, I had balances on both types of plans. I called to obtain the SPECIFIC amount necessary to pay off ALL of the " MyChasePlan '' outstanding balances, a feature that we are assured in large letters will be permitted at any time without penalty when setting these up. 

On XX/XX/XXXX, the Chase representative told me that I had to first pay off all of my " 0 % interest Amazon Equal Pay '' balances ; I was unhappy about losing the extended payment period on these, but figured it was my fault for not reading the fine print before setting up the MyChasePlan agreements. So I paid the entire total amount I was told was necessary on that day to pay off all of the outstanding amounts. I just received the next monthly statement for this account. To my surprise, I discovered that they did NOT allocate the payments as I was told they would. My account still shows {$1800.00} in 4 outstanding " MyChase '' plans, with a total of $ XXXX in monthly fees until paid off. 

However, after that conversation and payment, and in reliance the assurance from Chase that this was the amount necessary to pay off ALL of my plans, I chose to purchase additional items from Amazon, foregoing the 5 % XXXX  credit I could have received if I had purchased them outright. 

Chase says today, XX/XX/XXXX, that its representative gave me the wrong information on XX/XX/XXXX. Today I was told that the only way to pay off the MyChasePlan balances on XXXX XX/XX/XXXX would have been to pay off the ENTIRE outstanding balance on the most recent previous statement. Because I relied on the incorrect information their representative gave me, I am stuck with either losing {$120.00} in Amazon credits I could have received on my late XXXX XXXX purchases if I had not chosen extended payment plans OR paying the monthly MyChase fees on the remaining MyChase plans until they are paid off ( a total of {$220.00} ). 

I can not find anything, on the Chase site or otherwise, that says I have to pay off the ENTIRE STATEMENT BALANCE to pay off all outstanding MyChasePlan offers, so relying on their representative 's statement was a reasonable action. Please help make this right.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (OH)

1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 
2. The collection is {$120.00} and filed by XXXX XXXX. 
3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 
4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 
5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 
6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 
7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 
8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of XXXX XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (KY)

I contacted Card.com on XX/XX/year>. Shortly after the last purchase was made and I noticed the ongoing transactions. I reached out to the merchant to try to resolve it first and made sure they were aware I had not had an account with them in 2+ years but they were unwilling to find a resolution even though when I contacted them I provided my name and information and it didnt match the information on the account. They only based it off if the card was used around the location of the address associated with the account. 
I had been using tap to pay because its not uncommon for my kids to move my cards from where I usually put them and sometimes it takes me a minute to find them so that was what I assumed had happened and figured it would turn up. I realized that was apparently not what happened and I must have dropped it somewhere and not realized it when I looked and saw the charges. When I notified my bank of the fraud, I included all of this information. And they denied my claim. After the denial I called and requested the documentation used to to determine the outcome and was not provided with it. I have attached a copy of the denial I received. I shouldnt have to worry about whether or not my money is protected in the event that things like this happen.
Consumer complaint received 2023-04-20
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)

XXXX XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # 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.