davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I have already reported a Dispute with Equifax ( resolution code XXXX ) & XXXX XXXX ... ( When contacting XXXX   provide your current file number : XXXX ). 

I can't see the results because apparently they don't have my Birth Date information with Equifax ...? ( They have my entire Credit file but somehow without my accurate Birth Date? ) And I can't see my Dispute resolution because of an error that is simply Not My Fault! 
I have called them, multiple times and they wanted me to Fax my Birth Certificate & Driver 's License to them ( the request originated in the XXXX! ) I declined due to obvious security possibilities .How do I Proceed? Please Assist Me! 

Thank You, XXXX XXXX XXXX, MD
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-14
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-14
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-11-19
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I leased a car through XXXX and was approved by Chase Auto Finance, I don't ever recall setting up " electronic statements '' so Chase never sent me a bill. I was waiting for my bill and fell 2 payments behind which in turn they reported me late to my credit report agency.

I chatted with a customer service representative who kept emphasizing I was a " high risk '' account and kept explaining how I am able to make a payment to an account where I dot have access too online or over the phone because I don't have my account number. 

I made a prompt payment and am current on my payments, I was told they would review my account however I need removal of the late reporting due to bank error.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XXXX & XXXX of 2024 I've called 3 times the first time I asked them to refund me my ATM withdraw fees & they said ok the fees came up to {$250.00} they refunded me {$2.00} on the spot & told me that I would get the rest in 7-10 days the time passed I didn't receive it so I called it he 2nd time they said I had a {$240.00} refund pending & I explained to them what happens they said they were gon na expedite my refund so I would get it in 24-48 hours but I didn't receive it so the 3rd time I called them explained to them what was going on & told them u guys state in the begining of each call that you record all the phone calls so run your tapes back then run me my money bcuz now they are saying I never had a {$240.00} refund pending & that is XXXX!! Then when I asked to speak to the manager or supervisor they put me on hold for 43 minutes then hung up on me & now my account is over drawn {$19.00} when that's no even possible bcuz I only had {$10.00} spot me available for the month & out of that I only had {$.00} available so how are they just gon na add another - {$10.00} when I haven't used my card at all & had no spot me available!! I want all my money back... 
{$250.00} in ATM fees {$19.00} that is overdrawn from my account And all the rest of the fees they have charged me & all the dispute money they have taken from me & never returned ... asap!! I've been a loyal customer for years & I don't appreciate this kind of disrespect from them!!
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AZ)

I received notice that my taxes had not been paid and my property was going to be part of a tax sale if {$2100.00} was not paid by XX/XX/XXXX. I reached out to Rushmore Servicing on XX/XX/XXXX and XX/XX/XXXX requesting assistance via email and was told to call the toll-free number and speak to an Escrow Specialist. I was unable to get out of the phone tree to speak to a live person. 

I sent a letter via Certified Mail to Rushmore Servicing on XX/XX/XXXX asking for assistance again and no one has contacted me about this matter. Rushmore 's customer service is appalling. I need to get this matter resolved immediately.
Consumer complaint received 2023-12-04
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. (NY)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. there hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1581b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX is reporting 4 delinquencies on my report when I am on a payment plan. I have reported them to the credit bureaus for this misinformation whereas one the credit bureau closed the acct. XXXX is definitely reporting is false information. I am filing a complaint for malpractices against the company for falsifying information that is damaging to my credit. My acct balance shows that any of my payments is being adjusted to balanced owed.
Consumer complaint received 2023-11-14
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. (CA)

I submitted a dispute with Experian, because they were still showing a balance on my XXXX loans that were XXXX earlier this year. I submitted the letter, dated XX/XX/2023, from XXXX that confirmed that my loans were at a XXXX balance and I had satisfied my obligation on the loans. Instead of removing the loans, Experian updated my balance from {$65000.00} ( my balance prior to discharge ) to {$110000.00} ( an amount far greater than I ever owed ).
Consumer complaint received 2023-11-14
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-11-14
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. (NJ)

I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my credit report from Experian and an unauthorized account from XXXX XXXX  XXXX reporting in the amount of XXXX. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2024-03-17
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: DISCOVER BANK (CA)

I had XXXX purchases for a seller who has gone dark and removed all contact details and public postings. I disupted both charges after asking for a refund again and receiving a email bounce back. 

The credit company tried reaching out to the vendor with no response as well, i provided the email bounce backs as well as my requests for refund, images of my orders, a picture of the event cancellation from XXXX, the order pages showing product had not been provided to the shipping company for almost 2 years now, tracking label number that showed it had not been received by XXXX, and any other contact info they requested. 

I was told it was found valid as i didnt have adequate proof and once i called to reopen the case was told what i provided didnt prove anything and they were unable to clarify what more they needed adequately or how what i submitted was invalid despite the seller being unreachable by either me or the credit card company.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My only address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Not my addresses : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I want an investigation done something is wrong with this bank I had a charge hit my account on Thursday XX/XX/24 Immediately when I saw the pending charge of {$31.00} I got up at like XXXX XXXX  and I went to the bank 's ATM and I Deposited More than enough to cover XXXX I deposited {$110.00}, {$50.00}, {$25.00} and {$31.00} To This Account To Cover My Charge and the negative balance on my account I covered it all when I finished I think I even did a transfer to make sure the balance was covered. 

It was literally deposited the same day before Noon On XX/XX/24 Thursday Friday XX/XX/24 I received notification that the payment of {$31.00} was being returned. I covered the payment and it should not have been returned. I Had just covered it the day before. 

I spent 2 hours speaking to a supervisor and she explained to me the cut off time would be like XXXX XXXX  that day and any deposits made at the ATM on the same day should cover the amounts and I would be fine. This is untrue, I did exactly what the " supervisor '' advised me to do and they still returned my payment. 

This time I took screenshots as proof. I would like this bank investigated I think they are purposely doing these things to incur additional fees for me I have advised them on several occasions that I am a woman with a XXXX  XXXX and I am living on a fixed income I can not afford to have all these fees when I am doing nothing wrong I will attach the screenshots, Nothing they tell you is consistent. They keep changing their rules and it is stressful and causing me XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've noticed that these accounts and loans are unauthorized on my credit report and is affecting my credit score. I am asking that the following accounts be removed being as though they don't not belong to me. According to the FCRA any false information should be removed from a consumers report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union reps keep telling me that they are the fraud department when they arent. They talk over me and transfer me endlessly and my concern is still not solved. I called in today and was transferred to five different reps, one twice and still no one could help me. The rep told me that I would need to look at my credit file. I told her that Im looking right at it and thats why Im calling in to speak with someone about it and she hung the phone up even though in the beginning the call they ask for your email and telephone number in case call gets disconnected. She never called back which means she hung up on purpose. Ive paid for membership and fraud protection and Im not getting help with eaither one.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

I closed my Citibank account over the phone because I no longer live in the US. I gave the new details of my Australian address explaining that I no longer live in the US. I had tried to update the address online but this was not possible. The amount of approximately {$640.00} was to be sent to me as a cheque. It has never been remitted to me and I am unable to speak to anyone to confirm where and when the money was sent. 

When I have tried to reach Citibank the touchstone service does not enable me to progress the call because it says 'account details are not recognised '. I have tried with my card, with my Social Security number and my tax ID but get the same response. 

Eventually I called the Branch directly. A woman gave me the name of the XXXX XXXX, XXXX XXXX, and reassured me we would call me. I explained I lived in Australia and she indicated that was fine, she would give him my number. I have never heard from him. I have tried calling the branch every day and more than 30 times and the message says all staff are with clients and puts me through to the touchtone service, which of course says my details can not be found. 
It has been impossible to speak with anyone further about this matter.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX at XXXX XXXX i recieved an email from chase to call them regarding both my savings and my checking account. They said they will close it if i do not call. I called them shockingly as the customer service rep told me they have already closed out my account without reason. I went to the branch and asked to withdrawal the remanider of my money XXXX from my savings on XXXX. They told me i couldnt do so. I called the number provided 3 times and they said it was at the banks descretion to withdrawal the remainder of my money. I went to XXXX branches located i XXXX XXXX on Tuesday XXXX XXXX. The branches and I both contacted the number provided on my end they said they need a managers approval to override and withdrawal my money from savings. This money was for my daughter who is XXXX XXXX XXXX XXXX. after tiring commutes to all XXXX banks on XXXX i gave up. i couldn't retrieve my money in savings. My checking is now overdraw and i can not transfer to clear up the negative account. They have completely restricted my account i can not withdrawal i can not deposit or transfer. They are now telling me i have to wait XXXX business days for the account to close and then they will send me a check. I asked WHY what did i do so wrong, i have XXXX YEARS with XXXX same checking account since i am XXXX XXXX XXXX!! 
They state i will receive something in the mail. 
I received the document and it does not state ANY REASON. 
THIS SHOULD BE ILLEGAL! there is no fraud. The only thing i did was TRANSFER XXXX from my savings into my checking ( NORMAL THINGS!! ) On XX/XX/XXXX i called again the number provided XXXX to ask if there was a way to expidite my account closure. and they stated no, and i can go to a branch and they can give me the remainder. I called my home branch ( XXXX Ny ) i am on the phone with a manager i asked if she can please look into this before i leave work to come, and the account stated it is in closure and i can not retrieve my money. 

How is this possible? without notice or judgement. This is my money, i am a single mother of XXXX XXXX XXXX and XXXX. I have NO cash on me, i dont know what to do!! 

Please help, this money is for my daughters XXXX XXXX.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am refilling this complaint to TRANSUNION with file number XXXX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am seeking assistance in resolving an issue with unauthorized charges on my Bank of America Visa credit card Account # XXXX XXXX XXXX XXXX. Despite my multiple efforts over several months to resolve this matter directly with the bank, I have encountered challenges and would appreciate your guidance. 

Summary of the Issue : Unauthorized Charges from XXXX XXXX : I discovered recurring unauthorized charges on my Bank of America Visa credit card from XXXX XXXX, amounting to {$130.00} per month. I even contacted XXXX XXXX about these and they had no record of my buying anything from them, I turned those documents to the Bank of America as proof but they still neglected to stop those charges. 

Bank of America 's Lack of Resolution : Despite my continued efforts and formal letters supported by clear evidence from XXXX XXXX confirming the unauthorized nature of these charges, B of A still didn't stop those charges, until XX/XX/2024. 

Ongoing Concerns : Even after disputing the charges and continuous communication, I noted that Bank of America allowed another charge from XXXX XXXX, which raises concerns about their internal processes. 

Requested Assistance : Reversal of Unauthorized Charges : I kindly request your assistance in ensuring that Bank of America promptly reverses all unauthorized charges from XXXX XXXX on my account, totaling {$4100.00}, along with any associated interest charges. 

XXXX on XXXX : As a consumer, I am uncertain about the steps to take in resolving this matter. I would appreciate any guidance or recommendations you could provide to facilitate a fair and timely resolution. 

Documentation Attached : Copies of statements showing the charges. 
Email correspondence from XXXX XXXX confirming no record of ownership or authorization for the charges. 

Your intervention can help bring a fair and amicable resolution to this situation. Your support in guiding me through the necessary steps and facilitating communication with Bank of America would be greatly appreciated. 

Thank you for your time and attention to this matter. I look forward to your guidance in resolving this issue.