davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (GA)

I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with a promotional offer from Chase Bank. I received a personalized offer in the mail in XX/XX/2023, promising a {$300.00} bonus upon opening a Total Checking account and making a {$500.00} deposit. 

I opened the account on XX/XX/2023, utilizing the provided coupon code. However, during the process, I received a notification stating, " Your account was opened, but were having trouble applying your offer. Well send you an email once its applied. '' Unfortunately, I never received the expected email confirmation. 

A few days later in early XXXX, I contacted Chase, and a representative manually entered the coupon code, assuring me that the issue was resolved. 

I then made the required {$500.00} deposit around XX/XX/XXXX and waited for the promised bonus. To my disappointment, after 15 business days, I had not received the bonus. 

Upon contacting Chase in early XXXX, I was informed that the coupon code had never been applied. Despite providing the code again, the Chase representative suggested ineligibility due to a previous Chase checking account. I would like to note that I closed this account over three years ago, and the terms state in their fine print indicate that the checking bonus is available every two years from the last coupon enrollment. I then spoke with a manager who I believe agreed I am eligible, and filed a a claim directly with Chase for a 72 hour response, but to date, I have not received any communication from them, and it has been nearly two weeks since filing the claim.
Consumer complaint received 2023-05-12
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. (VA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (CA)

Experian inaccurately is reporting eleven ( 11 ) inquiries on my credit report that I do not  recognize. The credit report inquiries are : XXXX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Removal date : XX/XX/XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Removal date : XX/XX/XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (WI)

XX/XX/19 I applied for the Apple Card, based upon information from Apple employees that I would be able to finance an XXXX on Apple Card Installments by the end of the year. I decided to open the Apple Card, instead of applying for their 0 % XXXX loan/card to finance the phone. 

XX/XX/19 Apple Card Installments was announced on Apples website officially. There was nothing detailing that you would not be able to use this feature if you purchased a sim-free phone. 

XX/XX/19 I purchased the phone with my Apple Card. I was unable to purchase it using installments. 

XX/XX/19 I spoke to an Apple Card advisor via text who stated that I would return and repurchase the phone, order to get the 0 % financing, and that it shouldnt be an issue. 

XX/XX/19 I went to an Apple store to try to re-purchase the phone under the installment plan ( per an Apple Card advisor ), and was told that I could not use this feature unless I purchased the phone through a phone carrier ( such as XXXX XXXX XXXX ). I dont live in the USA full-time and can not be tied to a phone carrier, so this was not an option for me. 

Also, as of this date there is nothing listed on their website that you need to purchase through a carrier. As such, this is false/misleading advertisement. 

I spoke with several Apple advisors to confirm this policy. 

If I had known that I would have had to purchase through a carrier in order to use Apple Card Installments I would never have opened up the Apple Card. I would have opened up the XXXX card instead for 0 % financing. But now, I am stuck Financing this phone at 12.45 % interest because I dont want to ding my credit by opening up a second credit card/account immediately after opening a new account. 

This is deceptive marketing at its finest.
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2023-01-14
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, XXXX, XXXX, Equifax. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

Home depot / Citibank credit card issued by Home Depot in XXXX XXXX Ohio, XXXX. Bought a new home and decided to have Home Depot install new floors. Decided to get and use the Home depot credit card and use it to pay for the floors. After the floors were installed and all problems were resolved paid the account off, {$10000.00} ) paid in cash ) .Ordered floor in XXXX, job still wasn't complete. We had to move on XX/XX/XXXX. Baseboard and grout work was still not done. Job was finally finished two weeks later and we signed off so the charges were started. Received the bill XX/XX/XXXX with a late charge on bill. Bill was due XXXX XXXX. Paid entire amount off {$10000.00}. Received a new bill XX/XX/XXXX stating we owed {$58.00}. Called Citibank and made a complaint about the bill arriving after it was due and the fact we couldn't know of the payment date until we received the 1st bill and that we had paid the entire amount off. The person at Citibank said they saw the error and that we owed nothing and they would fix the problem. I thought is was over. Received a new bill XX/XX/XXXX stating that I owed {$58.00} again, one {$28.00} late fee and a {$30.00} late fee for not paying the 1st late fee. I owed them XXXX. The account was to have been closed.I called Citibank and talked to a supervisor named XXXX and explained the situation. She pulled up the notes and said that she saw the problem and we owed nothing and she would resolve the problem. Today XX/XX/XXXX, I received a phone call stating that my account was overdue. Again I called and again I talked to the same lady and again she said I owed nothing and that she would fix the problem. But as you can tell I don't believe her. My credit score is over 800 and I would like to keep that way. I would like to close the account permanently, but my friend did that and it messed with his credit score. I am also worried that if I just don't use the card again, they might close the account and it show up on my credit score as an unpaid account. Whatever you can do to help me with my situation would be greatly appreciated. Thank you
Consumer complaint received 2023-01-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5800.00} ; 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 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (VA)

I applied and was approved for a BJ 's Mastercard from Comenity bank in XX/XX/2022. I didn't receive my original card, so reported the card as not received. I still did not receive a card, so I called to request a replacement. This time I was sent a letter advising that Comenity was unable to contact me to at the number provided on my extended fraud alert. I did not get any calls and have no record of their attempts to contact me. I called again to request a replacement card upon receiving their letter that they were unable to contact me. I was told that a card would be issued, but have only received another letter advising that they were unable to contact me. I have answered calls from ANY number that called me in the past month just to be certain that I didn't miss the call to confirm my information. Comenity is the only issuer who seems unable to contact me. I've even received and paid a bill on a card that I have never had in my possession. I just want someone to reach out and confirm that I am the one who requested the card so that I can start using it to earn the rewards that were promised when I applied for the account.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

Thank you so much for taking the time to read this complaint I have a dispute with XXXX  reporting incorrect data on my credit report as well as VW CREDIT reporting incorrect data as well. 

I have reached out to VW CREDIT and they have failed to provide proper documentation for this dispute they have not validated this debt. 

VW CREDIT have not provided a contract validating this debt. 

XXXX  is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.
Consumer complaint received 2022-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (FL)

Due to a clerical error at the mortgage company they added condo insurance on my single family home which already had the proper insurance. It took me over a month of phone calls, emails and faxes to finally find someone to fix their error. Meanwhile they have harassed me with repeated phone calls insisting I owe them an additional {$240.00} with a late charge. They have even sent an updated payment booklet with the corrected amount of {$1100.00} for every month in XXXX that was sent on XX/XX/XXXX. I pay {$1200.00}. every month. I have explained the situation to their collections department and they insist I must pay this debt for the XX/XX/XXXX payment. Their mistake that has been corrected by their insurance department but I am expected to pay? Please makes them cease and desist. It is not my debt and they need to fix my account and records. I do not want a blemish on my credit due to their error and inability to communicate between their departments. I hope you will be able to help. Thank you.
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I have been on an Income Based Repayment Plan ( IBR ) since XXXX. In XX/XX/XXXX I received notification that my student loan monthly payment amount would be changing, from Navient my student loan servicer. The new payment amount was increasing to {$700.00} a month, beginning XX/XX/XXXX. I made the XXXX payment on time and submitted an Electronic Income Driven Repayment Application on XX/XX/XXXX to assess the reduction of the monthly payment amount. On XX/XX/XXXX I received notification from Navient they were not able to approve the IBR request stating " Based on the documentation you provided, your financial circumstances do not meet the federal definition of partial financial hardship required for Income-Based Repayment. '' On XX/XX/XXXX I called Navient and spoke to customer assistance to inquire what repayment plan I was currently on. I was informed I was on the IBR Plan. Confused as to how that could be, since I received notification from them a month prior that I was denied approval of the IBR plan, I asked how my monthly payment was calculated. I was informed it was calculated based on the IBR application I had submitted. I advised them I was denied for the IBR and would like an explanation of how my monthly payment was calculated. I was then informed it was calculated based on a standard repayment and I would be paying {$700.00} for 153 months and {$360.00} for 63 months. I asked what year I would be eligible for loan forgiveness, after having paid 25 years on the loan and was told in the year XXXX. I then asked if I were to change to a Standard Repayment plan what year would I have my loans paid off, since my monthly payment was calculated based on that plan type anyway, and was told in year XXXX. 

I then asked very pointedly " Why wouldn't you inform your customers previously on an XXXX plan, whom were denied after reapplying, that they would pay less overall by changing to the standard repayment plan, since you are calculating their payment based on the standard repayment plan anyway? '' If I were to stay on the XXXX plan, even though I was denied, I would end up paying an additional 48 months, equating to {$17000.00} MORE than what I would pay if I moved to a Standard Repayment Plan. 

Navient is not looking out for the best interest of their borrowers. They are being deceptive in their practices by not providing thorough information to their borrowers, which in many cases will result in the borrow paying more money than necessary on their student loans.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$780.00}
Consumer complaint received 2023-01-14
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have sent Equifax numerous dispute letters as well as faxes regarding reinserting these fraudulent accounts below : 1. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance {$1100.00} 3. XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$36000.00} Inquiries : XXXX/XXXX | Date of Inquiry : XX/XX/2019 XXXX/XXXX   | Date of Inquiry : XX/XX/2019 XXXX | Date of Inquiry : XX/XX/2019
Consumer complaint received 2021-11-19
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 (TX)

On or around XX/XX/2021, Paypal decided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulent transaction that was not even with pay pal it was with my primary bank, but my debit card from my bank was linked to my pay pal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessful XX/XX/XXXX XXXX, paypal respond by informing me that they had allowed me to accesses my account to my funds. I have not been able to get into my account. I have contacted customer service multiple times, I was informed on XX/XX/2021 they would mail me a check and as of today XX/XX/2021 still have not received a check.
Consumer complaint received 2023-01-14
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: LEXISNEXIS (MN)

Based on your last response on XX/XX/2023 you claimed you removed the public record from your report I call XXXX XXXX XXXX XXXX. After reviewing your response up until approved 46 there was no indication of you removing anything review the file! What I do liked that you listed each time you responded. With numbers so it will be easier for you to identify which of your approved responses showed and where you stated removal And there is nothing frivolous about this you just been caught up in a lie thats what this is all about! Remove this XXXX  XXXX and lets move forward! From your report and XXXX  XXXX and XXXX immediately Each one of you need to send a a updated credit report reflecting the Permanent removal