davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Unfortunately, I did not keep a record of the phone calls. Sometime in XX/XX/XXXX, I misplaced a Citibank Costco credit card. After I received a replacement, I called Citibank to inquired how to include my housemate 's name onto this account. After I disclosed my housemate 's name to the banks 's customer service representative, I decided to not follow thru cause it was too much trouble. A couple weeks later, I received two phone calls from Citibank stating my housemate attempted to use a Citi XXXX XXXX credit card. The bank said my housemate is listed on this account as a authorized user. I told the CSR, I never authorized anyone on my account & the bank only learned of my housemate 's name thru my initial call to the bank regarding my Costco 's account. Furthermore, I told the rep, the bank has no record of I or my housemate either receiving nor activating a credit card with housemate 's name. On XX/XX/XXXX, I received a Citibank notice regarding a {$580.00} charge on my XXXX XXXX account which was not authorized by me. On XX/XX/XXXX, I wrote a letter to the bank stating I did not make nor authorized this {$580.00} charge. On XX/XX/XXXX, received Citibank notice that I authorized via Citibank website housemate 's name as a user ; and they will remove his name from the account. On XX/XX/XXXX, I received a billing statement for {$620.00} for the charge I never made, plus late fees. I do not recall if the bank asked if I had the XXXX XXXX card in my possession, or if I destroyed it afterwards, or if I misplaced it at the same time I misplaced the Costco card. During this last phone call, I became upset cause someone used a credit card with my housemate 's name on it, & how this {$580.00} unauthorized charge will affect my XXXX plus FICO scores.
Consumer complaint received 2024-02-29
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. (PA)

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further.

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information.

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review.

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated.

Thank you for your time and assistance. I look forward to resolving these issues with your support.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (LA)

Frivolous charges were disputed after over a year on a credit card ending in XXXX. Initially, thought it was charges made my the authorized person on the account, my daughter. After a year, I questioned her and she provided proof of her own XXXX high credit card with her charges. I requested the card be closed with Chase, instead they removed my daughter from the card. They sent me another card ending like XXXX. To date, they returned all of the frivolous XXXX charges to the new card. I've kindly paid it off and again requesting both accounts with Chase credit be closed, including the XXXX card because new charges from XXXX XXXX starting to emerge. Someone has been calling me too about Chase fraud unit wanting information which I'm reluctant to give over the phone ; also, sent me an email and I refuse to click on anything. Reported this to Chase and more charges were added to the card. I believe someone working with Chase is presumably the culprit. Have read numerous reviews online too to confirm I'm not the only person this has happened to, recently. I've never had an XXXX account with XXXX. I have XXXX and have had it over a decade. Either XXXX or Chase or both conspiring to fluff their business, and this is malpractice ( s ). I want the funds returned to me that I've paid for charges I am not responsible for, and want these accounts closed-for good. No new cards to be issued as I never requested a new card be issued. They are not good for business and have repeatedly exposed my info to data breaches.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX  credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Consumer complaint received 2021-06-21
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: Experian Information Solutions Inc. (MA)

I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

My mortgage company was not aware that my municipality taxes property twice a year. Therefore, they did not pay my most recent tax bill ( Winter 2020 bill ). Ive contacted their customer service over the last several months and they stated that they will address the issue. However, they have not paid the tax bill. I have recently received a Notice of Delinquent Property taxes from the city. The company in charge of the escrow account is Dovenmuehle Mortgage.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

I signed up for a five day free trial ( online ) for XXXX XXXX XXXX on XX/XX/21. Immediately, upon realizing that I would not be happy with this service, I cancelled the service the same day. My next credit card statement, from Citi Bank showed a full month 's charge for the cancelled service. I immediately disputed this charge with the credit card company. Initially, they issued a credit to my account in the disputed amount. Since then that amount was reversed and two more charges were made to my card, from the same company, which I, again, disputed. I have received three letters from the credit card company with attachments from XXXX XXXX of their " terms and policies '' stating that they will not honor my original cancellation. I have no confirmation of cancellation of this service, just as XXXX has no confirmation that I ever used their service. I consider this a blatant scam on the part of XXXX XXXX XXXX and must assume that Citi bank simply finds it easier to err on the side of the HUGE Company. 
I will appreciate any assistance offered to me regarding this matter.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Company asked for a {$7000.00} down payment on vehicle and did not included an insurance premium. As per 15 USC 1605 finders fee charge should be included in the finance charge and also insurance Premium or other charge for any guarantee.
Consumer complaint received 2021-06-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, my identity was fraudulently used to open an account with XXXX XXXX ( Acct No. XXXX ). No payment was ever made on the account and my credit reports showed the account closed with an unpaid balance of {$92.00} which has been in collections status ever since. I reported the account as fraudulent to the credit bureaus some time in XXXX or XXXX of XXXX. After learning how to remove this information from my credit reports, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX and submitted disputes with each of the three credit bureaus and provided all required information to each bureau on XX/XX/XXXX. 

In a response letter dated XX/XX/XXXX, Experian, 33 days after USPS tracking indicates that my letter was sent to Experian, notified me that it did not remove the fraudulent XXXX XXXX account from my credit report and indicated that I would need to contact XXXX XXXX myself. I filed a complaint with the FTC on XX/XX/XXXX ( # XXXX ). The complaint was closed on XX/XX/XXXX because the company responded that " [ the ] complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' I, XXXX XXXX XXXX, am the only person listed on the first FTC complaint or this complaint. My complaint concerns the credit report in the name of XXXX XXXX XXXX, same date of birth and social security number, and concerns, as my Experian credit report clearly states, a XXXX XXXX account opened on XX/XX/XXXX which appears on my Experian credit report as " Seriously past due date '' and " assigned to attorney, collection agency, or credit grantor. '' Please read the attached documents before closing out my complaint again.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I disagree with the settlement offered by Comenity Bank under Complaint IDs : XXXX and XXXX. 

They only reimbursed the interest charge of {$14.00} ( XXXX statement ) stating that XXXX payment was delayed due to address change of their processing department. 

The notification of this address change DID NOT show up until my XXXX statement! Therefore, the XXXX statement interest charge of {$17.00} and the XXXX statement interest charge of {$10.00} should also be credited back! 

The minimum payment of {$35.00} on XXXX was only sent to avoid late charges AGAIN, until Comenity could apply the payments that were delayed due to the address change.
Consumer complaint received 2021-06-21
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (PA)

I called to submit two disputes to Chase for my vehicle lease. The first was that I requested that the late payment for XX/XX/XXXX be removed from my credit report because of financial hardship created by the coronavirus. Chase claims that they are not permitted to remove negative items from a credit report which is patently inaccurate and a misstatement of the law. 

I also reported that the XX/XX/XXXX payment was inaccurate. 

I feel that I am being mistreated and taken and advantage of.
Consumer complaint received 2022-02-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-06-20
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: CAVALRY INVESTMENTS, LLC (CA)

I sent a Validation letter to XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: United Student Aid (USA) Funds (LA)

I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MS)

My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.
Consumer complaint received 2021-06-21
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)

Equifax has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE NO KNOWLEDGE I HAVE NO INFORMATION I HAVE NO WRITTEN DOCUMENTATION I HAVE INFORMATION ABOUT THIS COMPANY I DID NOT AUTHORIZE THIS COMPANY TO SUBMIT OR RELEASE INFORMATION FALSELY AGAINST ME I DID NOT AUTHORIZE THIS COMPANY TO PLACE FALSE UNAUTHORIZED UNPROVEN FASELY ATTEMPTED INFORMATION FOR A PROFIT WITH AN ATTEMPT TO CAUSE HARM
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-06-20
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. (PA)

XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2017-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage
Consumer complaint received 2024-03-22
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. (CA)

I looked at my credit report Im XXXX XXXX And noticed some things are incomplete and not accurate. And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report its shall follow reasonable procedures to assure Maximum possible accurancy. These accounts XXXX XXXX XXXX, are not complete and accurate [ XXXX XXXX XXXX ] Open date is not reporting correctly, date of last payment is not accurate, this account is not accurate