davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (VA)

I registered for unemployment with DC Department of Employment Services. They signed me up for a  debit card even though they had my direct deposit information. DOES acknowledged my direct deposit request on XX/XX/XXXX, so NO benefits should have gone to US Bank. I filed for two weeks in XXXX and XX/XX/XXXX. I never got a card. I emailed DOES repeatedly. No response. I did not know who issued the card. I got a letter from card services at my post office box address acknowledging my change of address. No name other than card services, no phone number, a post office box address, and nothing to suggest it was related to my UI claim. I never got a card, although they acknowledged my change of address. I had changed my address with DOES. DOES had my residence address, so US Bank had it as well. I thought the card services mailing was fraud and filed a complaint with CFPB. CFPB rejected the complaint saying there was no card services registered. In late XXXX, I went to the DOES office and finally got a name and number : US Bank Reliacard. I called, identified myself, and corrected my address to include my apartment number. They refused to issue the card, claiming they had to verify the address. I asked for their address. They said they were in the XXXX XXXX  of what, I asked. XXXX  of Florida, they said. I asked to speak to a supervisor. He refused to send the card even though I had identified myself. I said I would sue them. He said go ahead. I taped the call. As of XX/XX/XXXX, I do not have the card and have not heard from them again, which means I havent received my XXXX benefits. I allege mail fraud, wire fraud, misrepresentation, and conversion.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. 
In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.
Consumer complaint received 2021-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Hi. I attended ITT back in 2016. I wasn't aware they were under investigation at that time and now have a big burden. A hefty loan that exceeded the loan amount because they tack on ridiculous amount of fees. Its nearly 50k when the program was way less than that. I am in desperate need for help as I have a child to raise. The loan is just a burden over me and just suffocating me.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

In XXXX of XXXX  the full balance in question was fully paid I called the end of XXXX and Allied Collections or ACSI stated that by XX/XX/2021 the account would fall off On XX/XX/2021 they reported not paid I have the letter stating that it was paid in full When I contacted the company the employees were rude and belligerent and disregarded my concern and instead brought up an account that I had not even heard of from 7 years ago. I did not owe anyone from that far along. I have credit checks and I never received any letters from the other account and asked if I can receive a letter in the mail and they refused and hung up. 

I have the video recording of this.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I began working with Navy Federal Credit Union on refinancing my mortgage loan in early XX/XX/2019. They delayed processing and acceptance through most of XXXX, XXXX, and XXXX. After working with them to collect needed documentation in early XXXX, documentation which they demanded be provided within 1-2 business days or they would close my loan which presumably would mean they'd make me wait 3 more months. In XXXX they provided loan estimates of 3.6 %, and then raised that estimate later in XXXX and XXXX without proper notice. The bank would regularly send paperwork and then let it expire over and over ; due to their massive backlog processing delays, so paperwork updates were routine and gave me no reason to suspect a change that was adverse to my loan or finances. 

After no notice through most of XXXX following assignment of title company, I called on XX/XX/XXXX asking for an update on my loan schedule as well as requesting an understanding of the current rates and received no updates until XXXX  XXXX when I was issued a closing date by email. When I received my paperwork for that loan, the rate had been increased to XXXX above what I had received in prior estimates. 

Navy federal delayed for 4-5 months, changed processor contacts, demanded immediate action during sporadic moments of time in order to keep my loan application from further delays and then raised my rates at the last minute without proper notification. 

I am attaching PDFs of our email conversation threads highlighting weeks of delays and rushed demands from the bank. I am also including a screenshot of the document delivery notifications that were sent almost daily to my email inbox and that I was instructed to ignore since they were a result of the bank working around their own rules to deal with their backlog. This document delivery noise further confused and interrupted any reasonable expectation of notification they may provide, especially when the bank told me I am to ignore them.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2021, I used the Chase Ultimate Rewards portal to purchase a three night stay at the XXXX hotel by XXXX in XXXX XXXX for XX/XX/2021 - XX/XX/2021. I redeemed a total of XXXX points for the trip, equivalent to {$380.00}. 

Upon arriving in XXXX XXXX, we discovered that the hotel property was inaccessible, and had apparently been closed for months. I was fortunately able to find one remaining vacancy at the nearby ( more expensive ) Downtown XXXX hotel, and later in the evening was eventually able to make my first complaint with Chase Travel for a refund. The Chase support team was unable to make contact with the XXXX hotel ( since it was, of course, closed ), but told me the investigation would proceed. 

On XX/XX/2021, I received an email update that said Chase had " made multiple attempts but are still in the process of making contact with our travel partner for your refund. Please expect an email update from us within 72 hours. '' I followed up on this notice with several direct messages to Chase Support 's XXXX account, and was told their " Travel Team '' would be in touch " in the next 2 business days. '' On XX/XX/2021, I received an update that " We have advocated your case with XXXX, a XXXX  Collection by XXXX and due to their policy in relation to your reason for cancelling your reservation, they have unfortunately denied your request. ''
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KAHRS LAW OFFICES, PA (KS)

I got a judgement letter saying as of XX/XX/year> that I owed {$610.00} to a place called XXXX XXXX XXXX. I don't recall that place nor heard of it.I was XXXX at the time, XXXX  with my XXXX child, no job, no car, no money, no credit cards or bank accounts at the time and on food stamps so i dont know how i could afford any of that and especially when ive only dealt with XXXX XXXX until years ago.Im over my head on trying to figure out if this is a mistake or what.This is XXXX XXXX XXXX, I've written back to see all the information or evidence just waiting to hear back.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-13
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear XXXX, XX/XX/XXXX After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

I am a victim of identity theft. The account was opened by someone in XXXX XXXX Texas which is around XXXX miles from my house which we have owned since XXXX. The account was opened around XXXX. The original account was from XXXX wireless and later transferred to Jefferson capital systems. The amount owed is XXXX. I contacted XXXX as soon as I saw it and tried to get it removed. I have tried to work with Jefferson capital and they have made me reduced debt offers but are still over a XXXX dollars.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency XXXX is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with Citizens Bank for the loan. I again called XXXX who seem to think this is still my debt. I called Citizens One and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I have had 2 types of medical insurance for the past 10 years. I pay my agreed to co payments on time and at the time of service. Currently I have a collection for XXXX dollars on my credit report that is for un-paid co payments that I did pay in XXXX. 

CREDIT BUREAU SYSTEMS - Last reported XX/XX/XXXX {$60.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (PA)

After reviewing my credit profile as of XX/XX/2023 there had been 2 discrepancies reporting on my credit report from Rent Recovery Solutions holding an open balance of XXXX. These accounts are negatively hurting my credit profile and I ask for them to be removed immediately. 
15 USC 1681 section 604 states any consumer reporting agency may furnish a consumer report under the following circumstances, in response to the court order having jurisdiction to issue such an order or subpoena. Or in accordance with the written consent of the consumer. If this is true indeed my debt please send the following documents with my written consent. If not please remove all accounts on all 3 bureaus that is negatively affecting my credit profile.
Consumer complaint received 2022-03-25
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Consumer complaint received 2020-03-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

I am having issues with navient on my federal student loan. They charged me a late fee after I asked what amount I needed to pay to get current. They only told me XXXX. I paid {$700.00}. The following day they charged me a {$65.00} late fee. They are reporting to all three bureaus the wrong information. Please see the following on all my credit reports : DEPT OF ED/NAVIENT Reported : XX/XX/2020  {$8300.00} Now I show according to all my payments that I owe {$7000.00} and have not been late in the last couple of months. They are still showing 9 payments late. Please see my following attached account Account Summary As of XX/XX/2020 ( ET ) Total Payment Due : {$7000.00} Current Amount Due : {$65.00} Past Due Amount : {$7000.00} Recent Payments Date Amount Status Show more information XX/XX/2020 {$110.00} Received Payment was received Show more information XX/XX/2020 {$750.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received Show more information XX/XX/2020 {$100.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received View all Account History
Consumer complaint received 2022-03-25
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. (GA)

I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX