davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I was assaulted at a venue. I woke up in the E.R. and I found nothing missing from my wallet. Before XX/XX/XXXX I was under a lot of distress because of personal problems. I was not living at my mailing address or at home. However ten months later on XX/XX/XXXX once I was in a better state of mind. I went to J.P. Morgan Chase to make a deposit to my business account and this was the day that I discovered that I had been a victim of Identity Theft. I believe that someone at the venue which I had attended made a duplicate Debit Card and got my pin number from the A.T.M located with in the venue which I had attempted to acquire sufficient funds to enjoy my night. However the A.T.M at this venue did not disburse any money over the several attempts that I tried to acquire money from it. After not being able to acquire money from this A.T.M I paid for my drinks with my business Debit Card and that was the last thing that I remember before I woke up in the E.R. Once I was released from the E.R. I was allowed back into my residence and was allowed to recover their. Furthermore once I discovered that I was victim of Identity Theft and did some investigation I discovered that my Debit Card had been used on XX/XX/XXXX at another location while I was back at home recovering from my XXXX XXXX with XXXX XXXX. I would like Chase to reimburse my account for the full amount that was stolen from my account while I was not in the right state of mind. I was under the impression that as a Chase customer my funds would be protect by the F.D.I.C up to XXXX. So I do not understand why my money is not being protected and as to why Chase bank never altered me of when they saw multiple charges made to a single restaurant in one day. This boggles my mind. How could this not be a red flag? Why did Chase not contact me immediately to see if I had made these charges when they had done so in the past?
Consumer complaint received 2024-03-17
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. (GA)

On all 3 credit reports my XXXXXXXX XXXX  account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Premier Student Loan Center (CT)

I was contacted by Premiere Student Loan Center of California, in XX/XX/XXXX, offering to look at all of my student loan debt and see if I was eligible for any student loan forgiveness. I am a XXXX so I do not remember if they knew that or I mentioned that, but we got on the track of XXXX at a low income / non profit XXXX and they got back to me in XX/XX/XXXX stating they would be sending a form to me to fill out to verify this was indeed the institution where I XXXX. They asked for upfront the following payments that I completed from my back listed above. 

XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00}. Then they assured me the repayment plan would be this : 120 payments ( monthly totaling ten years ) of {$30.00} to THEM ( not my student loan company which is XXXX ( totaling {$180000.00} ) starting  XX/XX/XXXX {$30.00} every month until XX/XX/XXXX. 
When you go to their website they are VERY misleading when they show at the bottom of their page XXXX approval XXXX, which implies they are XXXX   accredited but when you go to XXXX  site they flat out state that Premiere Student Loan Center is NOT XXXX accredited. 
Now I returned to XXXX University XX/XX/XXXX to finish my XXXX and my actual student loans, at XXXX, were put on an in-school deferment status. But Premiere Student Loan Center still collected. I found out today, from XXXX ( XXXX - conversation was recorded ) that they did receive a form in XX/XX/XXXX showing I do XXXX a nonprofit XXXX and therefore AM eligible for student loan forgiveness, but she assured me based on my income and family size my ACTUAL repayment is {$0.00} for 120 months. Repayment with my actual loan servicer XXXX has NOT yet gone into effect ; they have not received XXXX XXXX  from any of the monthly payments I have been paying to Premiere. The {$1000.00} ( 4 initial payments of XXXX ) was explained to 'process ' the paper work. This is a scam. XXXX also informed me today ( from XXXX ) that as of XX/XX/XXXX my account went into forbearance status. This was put into place by Premiere so that I would not be contacted by XXXX. All this time I thought these {$30.00} payments were towards my repayment plan to have {$170000.00} in student loan debt forgiven. Come to find out Premiere was just pocketing these payments. 
Please advise as to what my next step should be to either get back any of that money I sent them, or to at least help spread the word so that this company does not scam any more honest hardworking XXXX. XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in XXXX.
Consumer complaint received 2024-03-17
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: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to address a missed payment issue with XXXX that has had a significant impact on my credit report. As a professional, it is crucial for me to uphold a spotless credit history. I have always been diligent in making timely payments, as evidenced by my previous credit score. In XX/XX/2023, my XXXX mother passed away. She had been hospitalized since XXXX of the same year and eventually succumbed on XX/XX/XXXX. The loss of my mother, with whom I shared a close bond, plunged me into a state of XXXX that had adverse effects on my XXXX well-being. Following her passing, I had to participate in mandatory religious ceremonies for a period of 45 days. Prior to my absence, I ensured that all my accounts, including the one with XXXX, were set on autopay and entrusted their management to my accountant. I took a break from all work-related matters to mourn my mother 's death and focus on my XXXX health. 

In XX/XX/2023, the XXXX payment was scheduled for autopay. I mistakenly assumed that the mortgage payment for XXXX had been processed since it was on autopay. Due to the emotional turmoil caused by my mother 's passing, I did not check my bank accounts in XXXX. Upon returning to work in XXXX, I received a XXXX late notice from XXXX in XXXX mail. Upon contacting XXXX, I was informed that the payment had been initiated but did not go through due to a system glitch. I promptly attempted to make the payment again, only to encounter the same issue. After a third attempt, the payment finally went through, but it covered the amounts for XXXX, XXXX, and XXXX in a single transaction. I contacted XXXX to address this error, and the representative provided me with the necessary information to request the removal of this mistake from my credit report. As a result of this incident, my credit has been negatively impacted.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

There is a bankruptcy Case # XXXX that is not mine and does not belong to me. I have contacted the US bankruptcy court in XXXX WI. They have confirmed that they do not report bankruptcy filing to public record. I am asking for this to be removed from my credit report as soon as possible to avoid legal actions.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (NC)

Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXXXXXX XXXX XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " Block of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.
Consumer complaint received 2023-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

The promissory note for my FSA is invalid and expired per the following : 1. Student loan promissory notes Borrowers may sign a promissory note when they take out private or federal student loans. Federal student loan borrowers may sign a Master Promissory Note ( MPN ) that can be applied to multiple loans.

By signing the MPN, a student agrees to repay all loans according to the terms and conditions of the MPN. Federal student loan MPNs are currently valid for up to 10 years. 

My FSA consolidation promissory note was signed in XXXX it is now 5 years passed XXXX which was 10 years. It is now XXXX 15 years passed the date of validity. 

2. Except as provided in subsection ( e ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.

3. A promissory note is a written promise to pay within a specific time period. This type of document enforces a borrower 's promise to pay back a lender by a specified period of time, and both parties must sign the document. Only one signature is on my promissory note mine! There is no specified time on the promissory note!

4. A promissory note is valid for 3 years from the date of its execution. Post this period it will become invalid. Also read : Bill of Exchange. I lived in Virginia at the time of the signing of the promissory note XXXX the time limit in Virginia is 6 years. The note was signed in XXXX it is now 15 years past the signature date for the State of Virginia.

5. The note must be written by hand. My Student Loan Promissory note is not hand written. The note must be stamped by revenue stamps as per the rules of the Indian Stamp Act. Promissory notes are valid for three years only. There is no limit on the amount to be borrowed for a promissory note to be issued.XXXX  XXXX, XXXX XXXX. All Promissory Notes are valid only for a period of 3 years starting from the date of execution, after which they will be invalid. There is no maximum limit in terms of the amount which can be lent or borrowed. The issuer / lender of the funds is normally the one who will hold the Promissory Note. The Department of Education is the loan holder not ACS or XXXX. 

The promissory note for my FSA is invalid and has expired per the above. 

Close my FSAL now!
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
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. (NC)

I contacted my mortgage company because I received a letter from them regarding a data breach. I wanted more information about it, but they refused to assist me. The name of the company is XXXX, and their website is XXXX XXXX XXXX. Due to this incident, I experienced identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I started the process working with Loan Depot and they did not maintain regular communication with me. After not hearing from them for an extended period of time ; I started speaking with other lenders and have chosen to work with XXXX XXXX XXXX. I have been trying to get my FHA case number and FHA appraisal transferred to XXXX XXXX XXXX for over a month now and keep getting the run around from Loan Depot. 

They say I need to make a {$120.00} payment for the appraisal before they will transfer everything but every time I try to make the payment ; one of the following occurs : 1- Payment can not be process until re-inspection is scheduled for the subject-to appraisal 2- They had me fill out multiple forms to make the payment but then tell me I need the loan depot loan number on there as well. Resent the required document with the loan number and was then advised that I would be emailed a link from loan depot to make the {$120.00} payment but never received the email. 
3- I get transferred to a loan officer who is not the original person I started speaking with and they try to convince me on why I should keep my loan with them even though no one at their company has kept regular communication with me and I am constantly speaking with someone different. 

This has been going on for over a month and I am now starting to feel like I am getting the run around and that they are holding my appraisal hostage! 

I want my appraisal and FHA case number transferred to XXXX XXXX XXXX and do not believe it should take over a month for loan depot to accommodate my request.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (MI)

Dear Sir/Madam, I am writing to file a formal complaint against Citibank for a Cash Bonus promotion issue. Both my wife and I opened Citibank accounts in XX/XX/2023, depositing {$75000.00} each, as per the promotion 's terms. However, we have not received the promised Cash Bonus of {$1000.00} each account on XX/XX/XXXX, despite multiple unsuccessful attempts to resolve this with Citibank 's customer service. 

Citibank representatives claim there's no record of the promotion on our accounts, even though we followed all necessary steps during setup. This situation has left us frustrated, feeling misled, and questioning Citibank 's integrity. 

We request a CFPB investigation to secure the Cash Bonus and fair compensation for our inconvenience, financial loss, and time spent on this matter. 

Thank you for your prompt attention to our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

I filed a claim with PayPal on XXXX XXXX for XXXX. I received provisional credit. On XXXX XXXX. I received an email stating my case was closed and was decided in my favor. That credit was permanent. On XX/XX/XXXX, I then received another email stating I closed the case and the funds will be reversed. Its no way possible I can close a case that was closed since XX/XX/XXXX and ruled in my favor. Now my account is in the negative. I also contacted PayPal about my PayPal debit card being closed with no explanation. Ive called numerous times about this and no explanation was given.
Consumer complaint received 2024-03-17
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 looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT AUTHORIZE, BENEFIT FROM, OR CONSENT TO THE FOLLOWING INQUIRIES ; XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I have an American Express credit card I was one day late on my payment that was due XXXX and paid XXXX. I was charged a {$25.00} late fee and contacted American Express XX/XX/23 and asked them to waive the fee as a courtesy I was until they submitted the request but it came back denied for unspecified reasons. I asked a supervisor what reason was provided for the denial and he didnt know and said it could be any number of factors as they do not give Amex representatives that information but he did disclose that because I do not use my card enough that may be a factor as to why my request was declined.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

has violated my rights. Or list of inquiries 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.