davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

LONG STORY SHORT IVE FILE WOTH XXXX TOO. IVE BEEN COMPLAINING FOR MONTHS TO CITIZENS THAT INCANT PAY XXXX XXXX XXXX XXXXXXXX. NOTHING MORE SHOILD BEEN SAID. I KEPT GETTING TOLD BY CITIZENS THAT THEY CANT CANCEL UNTIL THEY GET THE CANCEL WORD FROM XXXX XXXX. IVE BEEN IN CONTACT WITH CHAIRMAN FROM CITIZENS. HE CALLED THIS PAST MON OR TUESDAY. HAD A THREE WAY CALL IN XXXX  that went sourand that INITIATED THE CALLBACK FROM CHAIRMAN. I HAVE A TECH TO COME OUT TOMORROW XX/XX/XXXX TO TAKE DOWN EQUIPMENT AND FOR YOU ALL TO REFUND LINE OF CREDIT AND TO FIX MINES AS WELLYOU ALL ARE RUINING MY CREDIT. YOU CAN PULL ALL CALLS TOO. I SHOULDNT HAVE TO JUMP THRU HOOPS TO CANCEL. WHAT IF I DIED. YOU ALL WILL CANCEL THEM BECAUSE YOU WOULDN'T GET ANYTHING. ALSO ITS DISRESPECTFUL TO HAVE TO KEEP MENTIONING MY HARDSHIP THIS MANY TIMES VIA PHONE AND COMPLAINTS AND IVE EMAILED THE XXXX credit dept CREDIT FROM CITIZENS. THEY HAVE THE EMAILS TOO AS IVE GOTTEN CORRESPONDANCE BACK FROM THEM STATING WHY AND THATS BOT WHAT I WAS ASKING. WHY KEEP DROPPING A CUSTOMERS CREDIT CONTINUOUSLY ESPECIALLY IF IVE REACJED OUT MORE THAN ONCE AND I TOLD YOU ALL XXXX XXXX AND XXXX THAT EMAIL FOR MY CREDIT ISSUE WAS GIVEN TO ME MONTHS AGO THE FIRST TIME YOU ALL DRASTICALLY DROPPED MY CREDIT AND I CALLED AND COMPLAINED THEN TO YOU ALLANYHOW IVE BEEN IN TOUCH WITH CUSTOMER LOYALTY FROM XXXX AND THE TWO LADYS FROM XXXX LEGAL REGARDING MY SITUATION AS WELL AS THE CHAIRMAN OF CITIZENS. THE CALL ON XXXX the citizens rep stated o weve only reported once to the bureaus ( all 3 ) thats a lie. It was twice. Once was for XXXX points which was worse than a bk on a credit second was just this past week for XXXX I pay attention to everything and you all can not get over on my. Please call the chairman and or whomever to pull all calls. Cancel my line of credit as XXXX is cancell and will be as of XX/XX/XXXX when they get their equipment. Then you all fix my credit and refund this line of credit. Learned my lesson with door to door sales no body should be paying for two separate things. The line of credit and the actual monitoring system. Thats a rip off anyhow. Ive mention to cancel and refund my line of credit and fix my report many times on calls and complaints. Again please. I should have no issues if all calls are recorded ie with XXXX/citizens pay
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PR)

Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX I make a {$1000.00} purchase of XXXXXXXX Points   and never received back my 20 % ( usd {$200.00} ) discount. I wait about 3 months, call customer service many times and never received my benefit.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

On XX/XX/2017, I uncovered that the Department of Education / NELN listed an address at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, to issue a significant loan against my credit, claiming I was a responsible party and a co-signer of an educational loan. This constitutes identity theft. I have never taken out such a loan, nor have I signed or given verbal consent to be a co-signer for anyone In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ).
Consumer complaint received 2024-05-23
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: Block, Inc. (NY)

This started on XX/XX/XXXX but I was unaware that it was happening because Cash App was declining these charges at first. However on XX/XX/XXXX I noticed that I kept getting charges from XXXX and XXXX for XXXX but I had never purchased anything from XXXX or XXXX, but most of the charges also showed declined so I wasn't worried. It wasn't until maybe XXXX  days later I was getting really annoyed that I didn't know how to stop these charges so I tried to order a new card. However, it must have just replaced my card instead of submitting it as stolen so this issue kept happening. It wasn't until XXXX  days ago that I noticed that not all the charges had been declined and over XXXX charges had gone through and comepletly emptied my bank account. I immideiatly blocked tiktok and XXXX through the Cash App and contacted them. The only reply I got was that all of them were declined or that they couldn't do anything about it. However I sent them multiple screenshots of charges that went through and they still told me they couldn't do anything about it, and that in order to dispute the charges, I would have to click on each individual charges and write what happened. However, there were hundreds of charges, and I would have to go through which ones were to declined in order to figure out if they were actually completed instead of declined. I told them that this is basically impossible unless I want to commit over XXXX straight going through the hundreds of blocked and completed transaction but they told they couldn't do anything. The amount in total that was taken out my account was around XXXX XXXX dollars and around XXXX transactions of a XXXX. In addition I have had to buy XXXX cash app card for XXXX dollars each because they messed up and only replaced my same card the first time so these transactions kept happening.
Consumer complaint received 2024-01-12
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: JPMORGAN CHASE & CO. (NY)

HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name. 
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. 
Other vise I will loose much time and money because mortgage lenders will decline my application for financing. 
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX 2 Date of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. 
XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX FIN XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized COAF Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Thank you in advance : XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (GA)

On my XXXX report, It shows that I was late on the Real estate loan payment ( the very XXXX payment back in XXXX of XXXX  ). I was never late on the payment and it was supposed to have been corrected of the issue but it was never corrected.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

Notice of dispute under the authority of the FCRA. Creditor is reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the XXXX is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA.
Consumer complaint received 2024-08-27
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. (GA)

I recently reviewed my Experian report and noticed that I have been a victim of identity theft and found several credit inquiries that I have no knowledge of. The credit inquiries are as follows : 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 Please remove the aforementioned credit inquiries from my credit report. I have attached an identity theft report here as well
Consumer complaint received 2024-08-27
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)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I submitted a email to the CFO of Capital one bank as well az filing disputes with XXXX on inaccurate payment history reported to the XXXX major credit bureaus on two accounts I have with Capital One on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at Capital One bank regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with XXXX on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my XXXX XXXX and caused it to drop XXXX points.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Against my knowledge or consent, a personal loan for {$4000.00} was made by the on-line Discover Bank on XX/XX/XXXX. I had no knowledge of the loan on my credit report until I tried financing something else on XX/XX/XXXX. In an effort to save my credit, I immediately paid the loan off even though they had written off the loan. 
I have been in dispute with Discover Bank ever since. I believe the loan was taken out in my name by XXXX XXXX who XXXX a XXXX XXXX He had access to all of my personal information. 
I have asked the lending company for proof that it was me that took out the loan. Specifically, signature, copy of ID, thumb print or anything else they used to approve the loan other than an on-line application.. To this date, they have furnished me with no copies of proof. I have spoken to them many times and they admitted it was not me as the XXXX XXXX XXXX XXXX tried to take over the loan. However, they will not officially release me from the responsibility of the loan because they know they have wrong information on my credit report and that the may have to reimburse me the XXXX. I have filed complaints with the credit services and the last one was done by XXXX XXXX. I specifically asked them to not just take the word of the financial institution and ask for any form of identification that it was me that took out the loan other than information provided on an on-line application. XXXX did not do that. They stated that the loan company certified it was me that took out the loan but again provided no copies of my identification. I am retired, own my own home outright and have nearly the max amount of money in my checking account alone that the government would insure. I have never taken out any type of personal loan in my life. I have hundreds of thousands of dollars available to me and would have no need to take out a personal loan. This is is case of on-line identity theft and neither the bank or credit bureau seems to be able to understand that. All I have asked for is a form of physical proof that it was me that took out the loan. Signature or copy of government issued ID would be the most logical. They cant do it and the negative event is still on my credit report.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MN)

I received a notice from EdFinancial Services dated XX/XX/XXXX stating that my new monthly payment amount will be {$660.00} under the SAVE Plan. This is significantly higher than the amount that was estimated when I used their online tool to predict what my monthly payment would be. I believe an error was made in the calculation and have been attempting to contact an EdFinancial representative since XXXX to verify if a mistake was made. 

I attempted EdFinancial 's Customer Service Representative via telephone on XXXX at XXXX and XXXX. Wait time was estimated to be over 500 minutes both times. I selected the option to be called back and was told via automated message that I would receive a call back after XXXX. I did not receive a call back until XXXX on XXXX, which I missed. No voicemail was left. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and the estimated wait time was again over 400 minutes. I was unable to reach a representative. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and was given an estimated wait time of XXXX minutes. I remained on hold for 2 hours and 6 minutes until I needed to hang up to bring my son to an appointment. I received 2 missed calls from EdFinancial during my son 's appointment at XXXX and XXXX. No voicemail was left. I attempted to call back at XXXX and XXXX. Again, I was unable to reach a representative. 

This morning, XX/XX/XXXX, I called EdFinancial at XXXX, 12 minutes before they opened. I was given an estimated wait time of 45 minutes. I have currently been on hold for 1 hour and 35 minutes.
Consumer complaint received 2024-01-09
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (DE)

I am going through a hardship at this time. I specifically ask Bridgecrest for help in putting my delinquent payments to the back of the loan. I was trying to be proactive in requesting help and they still failed me. I was never late with car payments for over 10 years until recently having a separation from my spouse and working through as a single mother getting through some hurdles to get back on my feet with no help. I requested help fr Bridgecrest, but they did not want to provide a hardship plan for me that will help my financial situation at the moment. I attempted to be proactive however they dont work with you the way you really need it. I really needed the help more than ever. The purpose was to retain my vehicle, instead they didnt help me, they just repossess my car with a payment already processing prior to repossession and they still took the vehicle away anyway. I am now in a much worse predicament. Ive asked for help before and now I know certain they wont work with me with my car is repossessed as they will expect full past due payments. Something I cant afford in one lump sum which Ive again attempted to seek help for.
Consumer complaint received 2024-01-09
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. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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.
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PlusFour, Inc ()

Collection company information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone : XXXX XXXX XXXX  Amount : {$1900.00} original creditor : XXXX XXXX  Original balance : {$1600.00} This account does not belong to me, it was the obligation of the company I work for to pay it.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (LA)

Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete XXXX.