davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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: AES/PHEAA (OH)

XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to zero when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX records says that The Department of Education and the FedLoan Servicing submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a Pell Grant was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to FedLoan. Once transferred the balance for the Department of Education should have been XXXX, while FedLoan would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from FedLoan to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a Pell Grant and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXX XXXX XXXX. It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WA)

I have a credit card with Chase and that account currently has 2 " promotional rates '' applied to my balance, one is 18.49 % and the other is 1.99 %. I've been making an effort to get the higher interest rate balance lowered, so I recently made a large payment in addition to my minimum payment amount and the company applied {$680.00} to my lower interest balance that month when my minimum payment for that month was only {$370.00}. When I called to find out why, they said that because it was done in two payments ( my minimum payment autopay on XX/XX/year> + an additional one time manual payment of {$6500.00} on XX/XX/year> ) they can apply the minimum payment amount to my lower interest rate for each payment. This is not my understanding of how the CARD Act works, although I'm not a lawyer. 

The case # with Chase is XXXX. 

I would be willing to provide my credit card statements, but it is unclear if attaching them below is secure and my full account number and other sensitive information is on the statements. However, I will happily provide them if you wish to provide a secure way to do so.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (OK)

They reinserted this information and did provide in written notice accordance with 15 USC 1681i ( 5 ) ( B ) ( ii ) 15 U.S. Code 1681i- Procedure in case of disputed accuracy 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) Reinvestigate I am formally requesting a description of the procedure used to determine the accuracy and completeness of the information including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii )
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MO)

Synchrony reduced my credit limit to {$400.00} after having the card at limit while I was constructing a house. No other card issuers have changed limits. My credit is still decent and I paid off all cards when my XXXX  XXXX  came through. Synchrony delays posting of my payments now by a week even after I see them posted through my checking account. The representatives state that it automatically happens. I reached out and the chat representative was unable to help and just pasted generic responses. I requested a supervisor but none were available apparently and they are unable to call you back. The issue remains.
Consumer complaint received 2023-04-18
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. (NY)

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my TransUnion, XXXX and XXXX credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively. 

Thank you.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

I was in XXXX XXXX XXXX at XXXXXXXXXXXX XXXX. I was struggling a lot I told the XXXX  I had a XXXX XXXX XXXX XXXX and I needed extra time to complete the assignments. They failed to allow me any extra time or help me in any way. As a XXXX   with XXXX XXXX  I still tried to do it the best I could until I was so far behind I just gave up. Due to the XXXX  neglect I feel that I should not have to repay the loans. I never got and money in my pocket and the XXXX  kept all the money and didn't provide help.
Consumer complaint received 2023-08-04
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. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX. Please remove this account immediately.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/XXXX The Credit bureaus stated Account Name XXXX XXXXXXXX Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my XXXX file in XX/XX/XXXX, which only lasted a total of ONE year. I also filed a police report on the night of the mishap ( XXXX XXXX ). Being overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a XXXX XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL 3 credit Bureaus, XXXX Fraud department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been 5 years already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

AI Overview Learn more 15 U.S. Code 1666b, also known as TILA 163, is a consumer credit regulation that covers the timing of payments for credit card accounts under open end consumer credit plans. It states that creditors can not consider a payment late unless they have taken reasonable steps to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. Creditors must also post payments promptly to the obligor 's account.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On my credit report capital one charged this account off XX/XX/2020 Now they are reporting it as XXXX days late payment since the charge off. The summer due shown is XXXX so it is impossible to have a late payment. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact capita one. They have sold the debt to a collection agency so Im not sure how they are reporting XXXX day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (WA)

My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, 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. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NM)

A few years back I was pre approved for what I thought was a credit card. It turned out to be a personal line of credit! My balances went all the way to the XXXX yet I have paid thousands of dollars back and my balances do not go down nor does my minimum monthly payment. Im being charged XXXX XXXX and make payments and the balance doesnt ever go down nor does my payment minimum monthly never go down then because I was upset with them how they tried to XXXX me over in a hardship program where I continued to make the minimum monthly payments on time they said I was in default after they are the ones that gave me the amount I needed to pay while I was in the hardships program. They posted one of my payments a day late I which then they said I was delinquent and reported it to my credit bureaus and then had my score drop by over XXXX points meanwhile I have made every single payment every single month I have ever had these XXXX accounts which one I paid so well they decided to give me a second within a couple of months and this company has tried to destroy my credit score even though I have made every single payment on time and now they have lowered all my balances and attached even more fees where the minimum monthly payment on a XXXX balance card is almost XXXX a month payment the other loan I over around XXXX and that payment is XXXX dollars a month this is predatory lending as well as they have tried over an over to hurt my credit yet I have prooof of making every payment for every month of every year I need help they are robbing me each month my balances do not go down no me they have lowered my limits and my minimum monthly payment is more then I pay for a XXXX car loan! Please help me this company is predatory lending to the fullest they are also sabotaging my credit scores and playing games where they had sent a letter to my credit bureaus removing a slow payment they reported then they went and re reported it and said oops sorry there is nothing we can do to fix it but they took action against the employee they made the mistake but they cant fix my credit report or my monthly payments and my balance never goes down at all and i literally am paying XXXX a month on XXXX account with them and XXXX on the other acccount yet my balance doesnt go down and my payment doesnt ever go down! Please help me!
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Summary of Complaint I have been a Chase Bank customer for over 50 years. A fraudulent check was cashed out of my account for {$460.00} LAST YEAR, and Chase Bank has been completely unhelpful in rectifying this. I have actively sought their assistance since this happened in 2016 and to date, I still have not been able to get this resolved, nor my money back. I am a XXXX XXXX on a fixed income and jumping through all the hoops they are putting me through to resolve this has become a burden to me and my husband, who is now in ill health. Please help me get my money back so that I can end my relationship with Chase Bank. It is shameful that it has taken this long to get a satisfactory resolution to this case. I have attached a copy of the letter written to a local consumer advocate that details the timeline and provides more information about this case.