davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (PA)

I am writing to delete incorrect information from my credit file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted immediately to correct my file. I reported the theft to the federal trade commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2023-12-07
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: JPMORGAN CHASE & CO. (WI)

It appears that Chase does not stand by its cardholders. Once again we received a XXXX answer from Chase ruling in the favor of the XXXX  in XXXX that scammed us for {$18000.00} and performed no services. We cancelled within less than an hour after we were coerced into giving him our credit cards because he indicated that I might die if his services were not performed. Under great duress we gave him 2 of our Chase cards but soon after cancelled within less than an hour ( see proof on file ) We are in disbelief that Chase chooses to stand by this merchant with no proof of services performed. Where is there compassion for 2 XXXX  people ( my wife and I ) against an unscrupulous doctor that extorted {$18.00} from us. Where is the justice. We hopeChase executives will review this case with some compassion for this situation and put a stop to this from this extortiinist. The final letter we received from Chase states while you have a valid complaint with the merchant the results of our investigation confirm that the transactions are valid This response from Chase is another indication that investigation does not include proof of services rendered. This is so unfair and shows us and others that Chase operates only by the book and does not take into account extending circumstances
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-08-30
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: TRUIST FINANCIAL CORPORATION (NC)

I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.
Consumer complaint received 2023-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My family and i have been trying to settle this debt for 3 years with this company. We have filed multiple complaints with CFPB to try to force the issue but they were unwilling to do that for a reason we can't fathom. Now they have filed a lawsuit and their legal representative clearly stated on a court mandated conference call 'they just want what they are owed. ' We thought about it and realized that selling the property would settle the account and end this. It hasn't. We have found an investor that is willing to write a check ASAP for the full {$220000.00} that they are suing us for but they are dragging their feet. None of this makes any sense that any us can comprehend, my family or the investors.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I MADE A {$10000.00} ACH PULL TRANSFER FROM MY XXXX XXXXXXXX XXXX ACCOUNT TO SANTANDER BANK CHECKING ACCOUNT XXXX XX/XX/23. 
ON XX/XX/23, SANTANDER BANK REJECTED THE TRANSFER AND SENT ME AN EMAIL STATING THEY ARE TRANSFERRING BACK THE FUNDS TO MY XXXX XXXX XXXX  CHECKING ACCOUNT AND TO CHECK MY XXXX XXXX ACCOUNT IN THE NEXT FEW DAYS. 
I CHECKED ON XX/XX/23 BUT NO RETURN OF FUNDS TO MY XXXX XXXX CHECKING ACCOUNT. 
AND THERE IS NO TRANSACTION HISTORY SHOWING UP IN MY SANTANDER BANK THAT THE MONEY HAS BEEN RETURNED. 
CALLED AND SPOKE TO SANTANDER BANK FRAUD/SECURITY TEAM AT XXXX AND THEY SAID THEY ARE HOLDING THE FUNDS AND THEY ARE UNABLE TO RETURN THE FUNDS AND WANTS XXXX XXXX XXXX  TO CLAIM IT FROM THEM. 
XXXX XXXXXXXX XXXX SAID THEY ARE UNABLE TO CLAIM FROM THEIR END. 
THE TRACE NO FOR THE ACH TRANSFER IS XXXX. 
CAN YOU PLEASE HELP ME GETTING MY MONEY BACK TO XXXX XXXX CHECKING ACCOUNT? THANKS A LOT!!
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (LA)

Complete Bad Faith Practices At Chase Offers On Webpage Removed Then Put Back Was Promised You Would Help In XX/XX/2024 With Balance Transfer or Pay As You Go, You Promised Me Offers Will Be Available But Then Not Really Now Nothing Will Ever Be Available Or It Could Be Available But Might Not Be Available BYE CHASE TOTAL BAD FAITH Offer Appears On Webpage The Disappear When Need For XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Existing Offers Paid Early
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (UT)

I was scammed out of {$4300.00} from a hacker over on XXXX pretending to be one of my friends how told me to buy XXXX and submit it to a cryptocurrency address for " investment '' over on a website called, XXXX XXXX XXXX  This all occurred on XX/XX/2022.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/2023 I went to vystar to open a savings account I was unable to open the account because they told me I had owed {$200.00} on a checking account which I have no knowledge of opening a checking account with them
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX XXXX XXXX  account. 

I have been an customer of XXXX since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my Experian, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with XXXX XXXX. 

Kind Regards, : )
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

FIFTH THIRD BANK NA, IT'S AGENT, REPRESENTIIVES AND OR EMPLOYEES COMMITTED FRAUD BY TYPING MY CHECKING ACCOUNT NUMBER ENDING IN XXXX, INTO XXXX XXXX ON THE DEPARTMENT OF THE TREASURY W9 FORM. 

PUTTING THEMSELVES IN A POSITION TO DEFRAUD ME OUT OF {$490000.00} INTEREST AND OR DIVIDEND INCOME PAYMENT SUBJECTING THE {$490000.00} TO FEDERAL WITHHOLDING INWHICH FIFTH THIRD BANK NA CAN CLAIM A NOMINEE OR MIDDLEMAN OWNERSHIP, RATHER THAN THE TRUE BENEFICIARY OWN, XXXX XXXX XXXX, SOLE MEMBER OF XXXX XXXX.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services ()

On XX/XX/2024, I requested to recertify my IDR payment plan. It was approved in XX/XX/2024, However, during this time, I was placed on administrative forbearance. On XX/XX/2024, I called EdFinancial and inquired on why I was placed on forbearance. I asked to be removed on forbearance and be placed back on my original payment plan. They claimed that this is administrative forbearance and that interest will not accrue or capitalize during this period. But throughout XXXX and XXXX, I was charged about {$840.00} of interest. 

This should not have been the case, as I was not changing payment plans, merely recertifying my plan. I should not have been placed on forbearance nor incurred these charges.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion XX/XX/2024 DEPT ED XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} Theres no original contract or no original ink signature. 

XXXX XXXX XXXX {$12000.00} Past the statute of limitations XXXX {$8400.00} Theres no contact info available for this creditor
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

Fraud charge of over {$600.00}. Dispute was resolved but in the process another card was opened without my authorization. Im told it has a balance and was closed because the balance was unpaid. I can not get any information from Synchrony about the matter. Their customer service is the worst I have ever experienced. They never leave voicemails when they call, so I dont ever know what they are calling about. They have no clear records of prior interactions, so I talk to someone new each time who has no info or incorrect info and continue to be transferred without getting to anyone who can answer my questions. A supervisor said they couldnt talk to me because I needed to talk to the recovery department. I had just spoken to the recovery department and was transferred back to them. Im an honest customer trying to make sure I have my balance correctly paid and have excellent credit. I should not have to go to such lengths to resolve a fraud dispute or ensure my balance is paid off or to get a straight answer about how many accounts are open to ensure there isnt identity theft.
Consumer complaint received 2023-11-25
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. (NV)

I never gave these companies the right to run my credit report and it was run many times without my consent or knowledge, upon reaching out to the credit bureaus they did nothing to remove them. 

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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

" Have Three Accounts That I disputed with Experian XX/XX/XXXX there was no verification letters mailed or anything showing how accumulated these Late Payments and Balances came about So therefore since no current history of Transactions with my Signature has not been Produce I request They Be Removed, instead of Updating '' : 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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to bring to your attention the fraudulent personal information associated with my XXXX  Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, XXXX XXXX XXXX XXXX XXXX. I have fallen victim to XXXX XXXX  and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX XXXX XXXX XXXX  I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-02-21
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. (AL)

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 168. XXXXXXXX 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 XXXXXXXX, 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 consumer reporting agency can not furnish your 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 items of information, other than records of conventions 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 2023-11-25
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. (CA)

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. 

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 Account Type Balance Date Opened Collection {$380.00} collection bureau of a 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.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (HI)

Mohela Student Loan Servicing - Can not contact anyone about account errors and confusing platform. 

My repay plan was approved and the account says for me to pay {$86.00}. It said in XXXX that I do not have a payment due. But I kept noticing emails from the Dept. of Education that my loan repayments should be starting in XXXX, and now recent my loan is pass due. I paid XXXX and XXXX on the following dates : Payment made on : XX/XX/2023 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 I paid XXXX on the same day -- In a separate payment : See different confirmation numbers. 
Payment made on : XX/XX/2023 -- I added a note in the comments that the payment is for XXXX. 

Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2023 It shows on the payment history as if I made one payment of {$180.00} -- all went to interest. 

Customer Service : I can not get a hold of customer service and I have waited 5 hours one day without anyone picking up. The website says that there is a high call volume every day. I have been trying for a month to talk to someone. 

The Platform : VERY confusing and lists over 30 loans that have different due amounts of {$1.00} here and here. They are transferring to a new platform soon. 

XXXX XXXX : I sent my documents for my XXXX XXXX requirements. I have been XXXX XXXX XXXX XXXX  that qualify for the grant for XXXX XXXX now. They send it back to my XXXX incomplete. My XXXX ( XXXX XXXX Dept of Edu ) and I explicitly check all boxes. I need to know the status -- - no response. 

Please help.
Consumer complaint received 2023-11-25
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)

XXXX please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.