davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Ive been contacting Experian over the last several months regarding accounts on my credit report. They are still reporting 3 accounts due to fraud as well as an incorrect account from XXXX. Recently I sent them documents and told them to delete the accounts but theyve failed to comply. I have proof that XXXX  and XXXX  has already deleted the above accounts. Additionally, XXXX has found the XXXX  accounts to be incorrect and have updated them to never late. Furthermore, they have never sent me any proof that the accounts belong to me. As for the XXXX account, I sent them proof that all 3 credit bureaus have different information which is a violation of the law. The account is riddled with incorrect information such as lates and wrong balances.
Consumer complaint received 2020-06-09
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 I responded to United Air promotions for low price/ minimal restrictions by purchasing 3 tickets online. The price that I appeared to charge to my Chase United Credit Card was {$2100.00} total for 3 round trip tickets. In fact, when I saw the charge posted online I saw I was charged {$2100.00} per ticket or {$6300.00} total ( for 3 round trip ECONOMY tix to XXXX / XXXX XXXX. I was unable to get through to United to via their 800 number within 24 hours of booking to cancel for a refund ( XXXX ). I was on perpetual hold and never got to a live person who could cancel my reservation. By the time I got through it was passed 24 hours and was told I called too late for a refund, I could only get a credit not a refund - the supervisor did not seem to care that I could not get though on the phone w/in 24 hours. I first reached out to protest through my Chase Visa card on XX/XX/2020 and reached XXXX in IL ( XXXX ). She took my complaint and said they would give me a credit as I could not get through to cancel w/in 24 hours - and that someone else from Chase would be in touch to verify some information for the credit. I let her know that we were not at our home address as we were in another state due to XXXX, so they should contact us via e-mail or cell phone only. 

As no one from Chase Visa contacted me in two weeks and there was no credit for the tickets online, I called Chase again on Friday XX/XX/XXXX and spoke to XXXX in XXXX XXXX, TX. She told me my complaint was closed as I was " mailed '' information I had not responded to. I told her that I was not at home to receive mail and had not been contacted by anyone at Chase. She said that she would reopen the complaint and note that I was never contacted by someone from Chase, despite their assertions otherwise. She also said that she would make sure a supervisor would reach out to me - yet none has reached out. The next day XX/XX/XXXX, I actually went to my New York home to check my mail for the first time, I found the bill including three charges for {$2100.00} - which have still not been credited as promised - yet I had no letter from Chase regarding my dispute, as I was told by XXXX was sent two weeks prior. 

I have been a customer of Chase for over 30 years and have my mortgage, home equity, retirement accounts, checking, savings and a business account. I can't believe that I am receiving such shoddy and unprofessional service from them. It is causing my life great stress and disruption during a time which already is full of enough stress due to COVID-19. 

I would appreciate an immediate credit for the full {$6300.00}, as XXXX promised on XX/XX/2020 - as I was unable to get through to United within 24 hours despite my attempts to call their customer service number within that 24 hour time frame. Thank you. XXXX XXXX
Consumer complaint received 2019-12-27
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: EQUIFAX, INC. (GA)

Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!
Consumer complaint received 2024-04-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

This is a claim following up upon my previous claim ( XXXX ) about Bank of America manipulating CD interest rate that Bank of America haven't responded yet. 

Around XX/XX/XXXX, a representative from BOA named XXXX contacted me, acknowledging their error in misrepresenting the CD interest rate : despite being informed during the purchase that the rate was 4.65 %, I was credited interest at a rate of 4.51 %. XXXX assured me that the shortfall in interest would be rectified promptly. However, to date, I have neither received the owed amount, which exceeds {$1000.00}, nor received any updates despite repeated attempts to contact XXXX. Today, when I finally spoke with him, he refused to reimburse the interest. It is evident that BOA engaged in deceptive practices by manipulating the CD interest rate. They enticed clients with the promise of a high interest rate upon purchase only to deliver a lower rate upon maturity. This bait-and-switch tactic is misleading and unethical. 

Additionally, I discovered that BOA had reopened my CD account without my consent. This unilateral action is both frustrating and unacceptable. It violates my right to control my account. As a result, I have filed a second complaint outlining three claims : 1. BOA 's unauthorized reopening of my CD account. 
2. BOA 's deceptive manipulation of CD interest rates.

3. BOA 's failure to honor their promise to return the reduced interest amount. 

I respectfully request the CFPB to initiate an investigation into these claims without granting BOA any further extensions for response. It is imperative that BOA be held accountable for their actions and that appropriate measures be taken to rectify the situation. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

I have a Venmo account with a balance of {$2200.00}. On XX/XX/XXXX Venmo froze my account and asked me to send in a picture of my photo ID. I uploaded a copy of my valid drivers license. After uploading my license Venmo emailed me to tell me they are closing my account and holding my funds for 180 days. All of the accounts linked to my Venmo are in my name. There have been no chargebacks, disputes, or refund requests ever made against my account. Venmo arbitrarily decided to close my account and freeze my funds. I have bills due and need access to my funds that Venmo is holding.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

On XX/XX/2020, I talked to XXXX  XXXX ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for XXXX ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2019-12-19
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I have two credit cards with Citi. For some reason there was a fraud alert from XXXX, which I already fix and citi does not want to acknoledge. They cut my credit limit down and affected my credit score on the limits. I am already paying one credit and told them to increased the credit on my other card. They refuse. I try two times to get it fix But the credit card customer service told me no. Even when I told them that I need it speak to a manager. It was denied. I am trying to increased my credit because of that fictitious fraud alert that XXXX  did to me and I can get it fix. So I am writing this complaint against citi cards. 

Citibank XXXX XXXX XXXX XXXX, KY XXXX Citibank XXXX XXXX XXXX XXXX, AZ XXXX The number for our Customer Service team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I been trying to Cancel PMI based on Appraisal since XX/XX/2021, Multiple contacts to the Company and refusing to grant me an appraisal, filed multiple complaints to the company, they instead on XXXX which is not the only way to canceling PMI
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I paid off my XXXX XXXX loan from XXXX XXXX on XX/XX/XXXX of this year.. on XX/XX/XXXX XXXX XXXX reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..
Consumer complaint received 2022-10-05
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}
Consumer complaint received 2020-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

This is my third complaint regarding this issue. Fed Loan Servicing is flat out REFUSING to apply qualified payments towards PSLF program. I received word from the CFPB that the issue had been resolved and Fed Loan Servicing sent me a letter showing " applied payments '' ( see attached ). They made it look like they took action when they did NOTHING. The PSLF payments that need to be applied are from XX/XX/XXXX - XX/XX/XXXX from my employment with University of XXXX  XXXX XXXX. I work for a XXXX ( XXXX  ) ( XXXX  ) XXXX XXXX. I believe this is being done flagrantly and intentionally. The letter that they sent me is the EXACT same letter for my XXXX certification with a new date slapped on it. They did absolutely nothing aside from push the complaint away and flagrantly lie to the CFPB on resolving the issue.
Consumer complaint received 2023-01-23
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. (NJ)

My name is 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 XXXX is being investigated by the FTC.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (GA)

This is my fourth 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 alleged fraud or extortion. 
Here are the items that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I went to the XXXX XXXX XXXX XXXX XXXX in XXXX. I entered the school without my GED at the time and was enrolled right on the first visit, taking out federal and private loans. ( Received my GED after 1 week of school ) I was lied to about transferring credits to a university in XXXX. I had to complete my 2 years and then had to start as a freshman in the university in XXXX. Upon graduation, my parents paid off 2 of the private loans, because of the the interest rate at 13 %?! I have one private loan I am still paying on from the XXXX XXXX. I have currently made payment sum of {$31000.00}. on a loan principle at {$20000.00}. Total Fees at XXXX. Total Interest accrued {$11000.00}. My federal loans were all discharged from borrowers defense case from school misconduct. I firmly believe that my case should be automatically approved for school misconduct discharge. I did not receive any information from Navient about the discharge or application. I stumbled across the information from XXXX, considering reconsolidating the loan. I have downloaded the application and emailed it. Please review it. I have attached email transcript between the school XXXX concerning credit transfer denial due to accreditation, school transcript of entering as a freshman and having to take out more loans to complete 4 year program instead of XXXX with my XXXX XXXX XXXX.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NM)

Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). 
Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. 

Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. 
I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (GA)

Im a victim of identity theft. I notified Equifax of this unauthorized account that was opened fraudulent. Ive provided Equifax with police report in XXXX XXXX also XXXX an affidavit in XXXX. Ive filed several disputes. Equifax continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for 5yrs unable to buy a home or get other credits because of this fraudulent account & other fraudulent accounts Ive disputed. Im XX/XX/XXXX, I was impacted by the Equifax data breach. My identity was stolen and I was not reimbursed for time loss & money spent from the approved settlement. I suffered 5 years ( XXXX hrs ) from this impact. Because of time spent to get items removed, being denied credit, spending more out of pocket costs because of poor credit due to fraudulent accounts opened after data breach.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I purchased something with my Citi checking account in the amount of {$28.00}. Later on, I closed the account. On XX/XX/XXXX, I have not received my order and attempted to check with the merchant. I found out that the merchant has abandoned their contact. With no contact available, I highly suspect that this is potential fraud. On XX/XX/XXXX early morning, I called Citibank to dispute this transaction. Its rep informed me that because the account is closed, thus they are not able to submit any disputes.
Consumer complaint received 2020-06-09
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. (TN)

Date- I have wrote XXXX  , XXXX  and Experian regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However XXXX  and Experian continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- XXXX  has XX/XX/XXXX and Experian has XX/XX/XXXX. It is obvious Experian has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, XXXX  has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks XXXX XXXX
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

Bought my home in XXXX. In XXXX I was foreclosed on by XXXX. Consequently a deed was recorded in XXXX name. A loan modification started prior to the foreclosure was granted. My mortgage was reinstated via a loan modification. However the bank failed to return legal ownership to me and never recorded a deed in my name. It has been 10 years and my mortgage is in good standing. The bank is aware of this issue but choose to do nothing.
Consumer complaint received 2023-01-23
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. (NJ)

My name is 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 XXXX is being investigated by the FTC.