davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I called Chase bank to pay off my entire Chase Amazon Visa card balance. The website for my card was showing me two different balances. One in the amount of {$1000.00} and one in the amount of XXXX. I asked the rep several times which amount was correct and she stated {$1000.00}. I went forward and made the payment. On XX/XX/year> I received a text stating my account needs attention and I checked the app. It is now showing I owe {$24.00} on an account I paid off a month ago. I called and spoke with 3 representatives. One of them was a supervisor and all I was told is sorry we cant remove the interest charge. You need to pay it even though the companies representatives were the ones who gave me ridiculous amounts of misinformation regarding how my interest works.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DE)

I applied for an American Express XXXX gold card through a solicitation I received as a result of being an XXXX platinum elite member participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. May be my wife? Or Business account? The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that he could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to review my application and inform me in more detail the reason it was declined.
Consumer complaint received 2017-07-15
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: DEEP SOUTH FINANCIAL SERVICES INC. (LA)

I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.
Consumer complaint received 2019-08-01
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. (NV)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX   XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX  XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

So I am receiving a 2 letters from 2 different companies that I Owe a debt, that are now placed on my credit report TWICE. So I requested both companies to send me Verification with some type of signature which they BOTH failed to do. One company sent me a letter saying the debt was sold to them, the other one saying they are placing a judgment against me, garnishing wages from a place i am not even employed at,. Over all this is bringing my credit score down which is hindering my progress and financial stability. No proof of any debt WITH a signature was sent to me so I wouldnt even know who to pay or whos fraudulent. Im not admitting to the debt, Im seeing if any is valid, and if its not, then it should be deleted according The the FCRA!
Consumer complaint received 2022-12-19
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

Our realtor, lender, and escrow team was ready to close the sell of our house. They got the clear to close and all contingencies were removed. 
XX/XX/2020 we were going to sign our mortgage papers to purchase our new house, knowing we had to sell our old house in order to make that purchase, but our team was told everything was fine. 
XX/XX/2020 we were told papers running late. As the days progressed, we were told there was a small problem they were fixing, then it became a bigger problem. The other lender and relator were not responding to my relator and lenders calls/emails, information was coming in piece by piece and kept changing. First it was a problem because they had applied for an FHA loan but they already had an FHA home. Then we learned they already owned property, then we were told they DON'T have an FHA loan. In the end, we still don't know what the real problem was. Our lender called the buyer directly to see if they could be approved for a loan and it was very clear to him these buyers should have NEVER started the process as they were NEVER going to be able to be approved for that loan.
Consumer complaint received 2022-12-19
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. (MI)

This is my second 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. 
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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

Subject : Notice Of Dispute - STFARMBNK XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account STFARMBNK XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account STFARMBNK XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account STFARMBNK XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account STFARMBNK XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX  is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her. 

On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan. 

As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance. 

I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint. 

I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies. 

I appreciate your assistance in this matter.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (NE)

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (FL)

Good Morning, I was logged into XXXX XXXX and was notified I had an " outstanding '' approval odds for a small loan. 

I decided to apply and was immediately approved via an online message... this loan was only about XXXX dollars for 36 months/XXXX XXXX a month payment ; with an insane interest rate of almost 32 %. 

One Main Financial, the originators of the loan, called myself this morning and ask me several questions, employment, phone numbers, income, etc ... .I answered all their questions honestly, and specifically mentioned my Veteran XXXX income as well. 

After several minutes of my mini interrogation, I was denied the loan based on me not making enough money, ( over XXXX ), and my XXXX XXXX XXXX ... .when I was done laughing, I told them to enjoy the rest of there day and graciously hung up the phone. 

My major complaints are that I was approved for this loan, at least initially, and that after giving them all my personal information and that I'm a veteran ... .then they turn me down ; which I cant prove, but they were already going to turn the loan down anyway before I gave them my information. 

In my opinion, they can approve or turn down anybody of course, but I believe they mislead my to get all my personal information first to sell to marketers... obviously I cant prove this. 

If they are allowed to do this then so be it, however, this practice is unethical and needs to be reviewed. 

I appreciate your time in regards to this matter. 

Thank You. 
XX/XX/year> 2024
Consumer complaint received 2022-05-29
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. (OH)

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX 4. ) XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX  # XXXX 10. ) XXXX/XXXX  XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # 514731****17. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction..

Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX Also, my Personal Information has erroneous information. There are variations of my name which I have never used showimg on my credit files as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX Erroneous address where I have never lived as follows : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 2. ) XXXX XXXX XXXX XXXX, Ohio XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 5. ) XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 7. ) XXXX XXXX XXXX XXXX, Ohio XXXX Erroneous phone numbers : 1. ) XXXX 2. ) XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX
Consumer complaint received 2022-05-29
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: Nelnet, Inc. (MI)

My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the Nelnet representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but Nelnet had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but Nelnet has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from Nelnet to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (PA)

The loan was for the purchase of a new travel trailer. I sold my existing travel trailer and wanted to apply a {$25000.00} principal payment to the loan. The only way to apply the payment is to prepay the loan installments. By not applying the proceeds to principal and only prepaying the installments, this only saves me a nominal amount of interest. If the bank allowed a payment of principal it would provide the benefit of a more rapid amortization and shorten the term of the loan. The bank only allows principal payments to be applied on Home Equity loans. This practice does not encourage good financial management and is a disadvantage to the consumer
Consumer complaint received 2022-05-29
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. (MN)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (HI)

I 've taken a closer look into my student loan breakdown of payments and am absolutely devastated to find that out of the {$20000.00} that I 've paid over the last few fews, ONLY {$2100.00} has gone to paying down the principal and the remainder {$18000.00} has gone to paying Interest Rate Payments. In the last year, my monthly payments breakdown with only 20 % -30 % of my payment going to bringing down my principal. <P/>I called Navient and the customer service rep explained that I have a " daily interest rate ''. At no point has Navient explained or told me about this " daily interest rate ''. The customer service rep could not explain why or the breakdown of my interest rate payments and did not provide me any viable solutions or satisfactory explanation.