davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-14
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. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (MI)

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sets weekend due dates for the payment of monthly credit bills. However, they DO NOT ALLOW PAYMENT on their site on weekends which allows to them to charge late fees. 

For example, I had a credit card payment due on Sunday, XX/XX/XXXX. On Saturday the XXXX, I attempted to pay the bill on the Bank of America site. When I tried to select the payment date, as required by their system, it would not let choose the XXXX ( or the XXXX ). I was forced to select the Monday, the XXXX which makes my payment late allowing BOA to charge a late fee.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To whom it may concern, I, XXXX XXXX am writing you as an aggrieved man. My identification was stolen, and a CAPITAL ONE account was opened in my name without my knowledge and or consent. I, XXXX XXXX am not and have never been a customer of CAPITAL ONE. I have obtained a police report regarding this fraud and am forwarding it along for you to view. Please remove this fraudulent debt out of my name poste haste. Thank you. 


I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. 
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Equifax has not removed any of these items or provided proof that I initiated that inquiries or that a investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : CXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (CA)

I described in detail and it was erased. I never requested new credit cards from my ank! They just changed my cards to give me better advantages to used the cards ( from the SAME bank ). Chase is my bank! They kept the same acct numbers, just changed the type of cards I gotl
Consumer complaint received 2019-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MN)

I have student loans that are being serviced by Great Lakes- XXXX WI. I have always paid on time and am actually paid ahead to XX/XX/XXXX. I am currently paying XXXX per month on auto pay. This last month I paid my XXXX and then also paid an additional XXXX which I did a custom allocation for to payoff my 2 loans that are at 6.55 % interest. When I checked my payment application it shows that only XXXX went to my higher interest rate loans and {$XXXX} went to the 4.25 %, {$XXXX} to the 3.15 %, and XXXX to the other 3.15 % interest rate loan. It clearly states that any additional payments will be applied to the higher interest rate loans and that has not happened the entire length of my loan. I called in several times about this issue and I am always told that they first have to apply my payment to the regularly scheduled payment and then any additional will go to the higher interest rate loans. I advised them that my next regularly scheduled payment is not due until XX/XX/XXXX but they insisted that the next payment will satisfy that payment pushing my due date to XX/XX/XXXX and any additional from that will then be applied to the higher interest rate loans. From my experience, when a loan is paid ahead, accrued interest should be paid and other funds should go the highest interest rate loan but they are not applying the payments this way. I searched online and this looks like many student are being deceived by Great Lakes. There are many complaints with the XXXX. Also when I was on the phone it seems that students that elect to autopay payment are handled differently than those that do not autopay. I was told I can only pay extra on the same date as the autopay to have it apply the way I want it. Because I am on autopay I only get 1 day to pay extra on my loan. People that are not on autopay get a 30 day window to make extra payments and have them apply per their custom allocation and to go to higher interest rate loans. This practice seems deceptive and when students pay extra and get ahead all principle should be going to higher interest rate loans not a regular payment that is due in 2.5 years ( as my student loans will be paid off by then anyway )
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (MO)

I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Albert Corporation (NV)

I requested to get my money back from Albert App on XX/XX/XXXX and they keep telling me they can not because a bank account that is closed can not reconnect to their portal. 

I provided all documentation they asked for and they are not honoring it because they can not connect to XXXX XXXX accounts which are no longer active because all XXXX XXXX accounts changed to XXXX Bank with new accounts and routing numbers. 

They do not offer phone support or any person for me to interact with to solve this. They are currently holding {$340.00} of my money that I requested sent to me by check on XX/XX/XXXX. After spending 3 days working with them through texts and emails. 

I also attempted talking to XXXX and XXXX, both of which told me they could do nothing about it because it is not Fraud and involves internal systems for Albert. 

Albert App banks with XXXX Bank.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2021, Amex removed a credit balance from one of my credit cards for {$100.00}. When I asked about where this money went, they said Id received a check. Over 2 months later, I still do not have a check in the mail from them. Ive asked 5 times about where it is. 2 times they said theyd issue a new payment. I even gave them my bank details so that they could wire the payment to me. They still have not done so! At this point, their mishandling is blatant theft and utter disregard for my missing funds.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My car that was financed through XXXX XXXX was totaled in XXXX, 2021. My insurance company XXXX XXXX ) paid off the balance on XX/XX/2021 ( XXXX ) After XXXX  was paid, as noted on the Trans Union report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported. 
I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (GA)

I received 4 cashier checks ( {$100.00} each ) dated XX/XX/XXXX. The checks were purchased by my father who was killed in XXXX. My grandfather held on to the checks in his safe deposit box until his death. The first thing I need to know is the statue of limitations regarding cashier checks? The bank ( XXXX XXXX XXXX  XXXX XXXX, NY ), which was purchased by XXXX XXXX, the bank can not find any record of the checks. The bank ( XXXX XXXX XXXX was a subsidiary of The Chase XXXX Bank and the checks are secured by The Chase XXXX bank, which is Chase. First, I contacted the Office of the State Comptroller - State of New York in XXXX and again in XXXX, where the office of the comptroller contacted me after seeing an interview from a news station with me seeking help getting these checks cashed. To no avail, they ( Comptroller 's office ) could not find any record of the checks being escheated to their office. After the second attempt failed through the Office of the State Comptroller - State of New York, I reached out to Chase since the checks are secured by them. They flat out refused and said I can keep them as a momento because they can't find any record of the checks. I have the actual checks in my possession, I have a copy of my father 's death certificate, and a copy of my birth certificate to prove I am a descendant and can rightfully claim the funds. To recap, my father has been dead since XXXX. He purchased ( 4 ) cashier checks of {$100.00} each from the local Savings and Loan, which has now been purchased by XXXX Bank. The checks are secured by The Chase XXXX Bank, which is ultimately Chase. Each party says they have no record because of the age. To my knowledge, cashier checks can only be purchased with cash, which doesn't expire. I don't understand why the securing bank can not replace the checks and allow me to cash them when I have all of the proper documentation to prove who I am and the original cashier checks. Can you help me in this matter or provide some advice on how I can proceed in getting these checks cashed?
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I had a house fire to my apartment building XX/XX/2021. I have been issued money through my insurance company. Due to me having a mortgage Carrington Mortgage company was added to my claim loss. Carrington has cashed checks from the insurance company, and has advised me the check bounced. Proof was submitted to Carrington the check cleared. However, Ive paid my contractor, and Carrington has stopped payments on checks thats already cleared their bank, and has been giving me problems not wanting to reissue the funds in order for me to complete the repair process. 

I have advised Carrington on several occasions to set up an inspection for my unit so that more funds are released, but its like pulling teeth for them to send out an inspector. I was advised all checks that I send into Carrington is put into a Escrow Account, and I am reissued a check through Carrington. One would think, the mortgage company would just endorse the check from my insurance company and mail it back out to me. Carrington instead puts my money into an account I know nothing about. Carringtons failed to release my funds, in order for me to complete my house fire claim. I have been without rent for 10 months due to their negligence. 

XXXX at Carrington went so far and requested bank statements from my insurance company to verify this check didn't bounce. The insurance company had already provided XXXX a copy of the cleared check and the date the check cleared the bank. This has put me in a bad position with my contractors, XXXX stopped payment on a check of mines, and she should have never done that, considering the check had already cleared in Carringtons system.
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

Ace Cash Express is holding me liable for a payday loan account I didnt apply for. The account is fraudulent and an unauthorized pay day loan account. I filed XXXX  XXXX bankruptcy with the United States District of Court District of Minnesota Bankruptcy Court. On XX/XX/XXXX all of my debt was discharged under XXXX  XXXX bankruptcy in bankruptcy court. I never applied for any payday loan account with Ace Cash Express. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

There is a Debt Collection Company called : I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, who works on behalf of XXXX. They claim I owe {$1100.00} for equipment that I have already returned to XXXX XXXX XXXX. I was a short term customer of XXXX XXXX XXXX years ago but had numerous problems with there service. I cancelled service and gave the equipment back to there service technician. Years later I find a collection on all my credit reports for this equipment. I have spoken with XXXX XXXX XXXX on many occasions and explained the problem. They told me they no longer even use that equipment in there service but I have to deal with IC System Inc. I have Disputed this debt with XXXX XXXX XXXX, IC SYSTEMS. I DO NOT HAVE THIS EQUIPMENT, IT WAS RETURNED, I DO NOT OWE THIS DEBT! IC System Inc. Is negatively reporting on my credit reports and has even recently started the debt over again. I Want these people held accountable.
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

In XXXX I defaulted on a storage unit and the debt of XXXX. The sold the debt to AWA collection when they proceed to put a balance of XXXX on my credit report. I wasnt aware of this until XXXX. I contacted AWA and the claimed is was the correct amount and refused to change it. I then get paperwork from the storage unit with the correct amount owed and email it to AWA and they still refused to change it to the correct amount. So I disputed the amount on several credit burial sites and a few of them finally removed the balance. After which AWA adds a new balance of XXXX to my credit report. So I had two different balances for one debt owed on my credit report. Ive continued to dispute these amounts and now AWA decreases and increases the debt amount by 1 dollar a ever two or three weeks and cause my score to drop by 24 points each time. They are purposely trying to ruin my score because they want me to pay more then whats owed to them.