davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I received a statement with an annual fee for a credit card I attempted to convert to another credit card product on X/X/17 with citi via phone. I was under the impression this was underway and was actively taking place. I received yet another bill in XX/XX/XXXX ( for the same aforementioned credit card I attempted to convert in XX/XX/XXXX ) and called citi yet again on XX/XX/XXXX. I spoke with a front line csr who said I had already attempted this, but my account was n't able to be converted due to it being past due. I was frustrated that it was past due, as I requested the product change before the payment due date listed on the previous bill. I spoke with a supervisor this time named XXXX who said I received word I would have to pay the previous annual fee prior to the product conversion. I was confused as to how he could possibily know this as he was n't the person who handled my request in XX/XX/XXXX, and did not have time to review any associated phone recordings prior to speaking to me. This dismissive practice of the customer always being wrong has got to stop. I am being punished due to citi being inept with their speed of product conversion despite my asking for it prior to the payment being due. I paid the " minimum payment '' per XXXX on the phone as to avoid any negative credit reporting by city, but feel this payment was made under duress as I had no alternative.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Good afternoon, I have a problem with my Chase check account the situation is that it was closed, in the app tells me it's for suspicious activity, from day to day no longer worked, I tried to communicate with the bank vary times and they hung the call on me, Yesterday I was finally able to communicate with them, to begin with the boy who attended me was very rude, he didn't give me any information at all. I asked him if he had been blocked. I have no problems at all if someone stole my identity I can't know why I don't have access to any of the accounts, he couldn't give me any reason or explanation, I asked him what I could do and he told me in a mocking tone " go to another bank '', I had a covid health problem and I couldn't make my chase credit card payments, but it was 2-3 months, I'm just committed to paying, but they don't even want to take care of me. I hope it helps, thank you very much in advance
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (OR)

XXXX XXXX which is a high interest loan is not updating my credit report in a timely manner. I paid the loan off in full on XX/XX/21. My credit report shows that I still owe {$2500.00} and that my last payment was made on XX/XX/21 ( 2 months ago. ) I've asked them to correct and they've advised me it should be corrected sometime in XXXX. By the way, the interest rate was 99.20 %. For that premium rate they could at least report to the credit bureaus in real time.
Consumer complaint received 2017-07-10
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. (TX)

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation (CT)

I applied for and was approved for a loan with Avant Credit on or around XXXX of 2014. At time of approval, the interest rate/terms were not disclosed, nothing was signed on paper. Ive been making timely payments via their website and just noticed their interest rate of 35.9 % is unusually high. Because of this high rate, the payments I 've made thus far do not even reflect on balance owed, they go towards interest. Had I known about this prior, I would not have agreed to supposed terms, which were not disclosed at the time. This high interest rate is illegal in opinion and should be lowered. Please advise Avant Credit they need to lower my rate ASAP if they wish to continue seeing payments.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. 
A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. 

Branch address is XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was at XXXX  and someone stole my wallet. The guy took my wallet and took the two checks and atm out of wallet. He got money out somehow and now your company or XXXX  are coming after me knowing this guy had my wallet at the time the money was taken out. Here are the case numbers since he was caught and arrested. XXXX has it on video and there are two case numbers with the sheriff 's department. 

XXXX XXXX  XXXX XXXX I am disputing the charge of XXXX filed by XXXX.
Consumer complaint received 2021-12-16
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. (NY)

This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed
Consumer complaint received 2019-06-20
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. (GA)

Experian and XXXX are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed
Consumer complaint received 2017-07-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (FL)

I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.
Consumer complaint received 2021-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Applied for student loan forgiveness as Ive been working as a public school teacher for over 10 years and it was denied. Ive paid on time for over ten years but even after the Biden administration said the forgiveness program was reformed I was still denied. For some reason the company says my monthly payments do not qualify. 

Thank you
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROC Asset Solutions, LLC (MS)

The lady called asking for XXXX XXXX. When I told her she had the wrong number she continued to ask me questions. I told her that he was my ex husband and I have no contact with him and asked for her not to call. She then began to ask if I had children. I replied and told her that was none of her business. She then told he I was being rude so she would continue to call me everyday because I was rude and would not remove my number.
Consumer complaint received 2020-02-13
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. (TX)

I have been trying for two and a half years to get XXXX XXXX XXXX  and XXXX to report a accurate information on my mortgage loan. I financed my mortgage originally with XXXX XXXX XXXX  XXXX XXXX. A few years later XXXX XXXX XXXX  bought XXXX. In XXXX I had to file for Chapter XXXX protection. I continued to pay my mortgage as usual. I have never been late. My mortgage history was reported properly by XXXX XXXX until XXXX. That is when my nightmare begin. They begin using XXXX to collect their payments. Then all of a sudden all of my mortgage payment history disappear. I have reach out to both companies for two years, but nothing has been resolved. XXXX XXXX actually sent a letter stating that they would correct my credit reports and simply reversed the decision to correct. XXXX is none responsive and places the blame on XXXX XXXX and XXXX XXXX places the blame on XXXX. In the meantime, my credit reports are not reporting my positive pay history which is impacting me in a negative manner. I need assistance with this matter. Please advise.
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, Experian, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC. (CO)

I've asked BUDGET CONTROL SERVICES INC through a debt validation letter sent on XX/XX/21 along with a green return receipt to send me documents so that I can exercise my rights as a consumer to validate an alleged debt. BUDGET CONTROL SERVICES INC received the letter on XX/XX/21 and this debt collector BUDGET CONTROL SERVICES INC has not sent me any documents that I asked for they are violating my right to validate the alleged debt, I'm demanding an audit trail so I can validate the debt.
Consumer complaint received 2020-09-25
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: Conn's, Inc. (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.