davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I previously filed a dispute with Equifax. After resubmitting several requests for dispute, it was resolved. On Friday, XX/XX/2024, I contacted Equifax to send an updated report to a creditor who has received my report in the last six months per the information stated in the Investigation Result report. The specific language in the investigation result report states : - If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask Equifax to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months ( or 1 year, where applicable ) for any other purpose. ( see highlighted words on pg XXXX the attached documentation ). The representative advised me Equifax does not send creditors reports, and the creditor must request on their end. I read the statement to the representative twice. I asked why is this statement on added to the investigation result report if Equifax does not send an updated report. The representative repeated the same information like a robot. I am beyond aggravated and disgusted with the amount of complaints I have submitted, and the credit bureaus lack of investigation skills to handle disputes.
Consumer complaint received 2023-02-16
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (CA)

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the XXXX  industry upon the completion of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. To cover the expensive cost of XXXX, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The Wells Fargo bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last XXXX  years and still owe large portion of the principal. The XXXX XXXX was not recognized in all my attempts to obtain employment. The XXXX  misconduct caused me a life long sense of failure. It has been discovered the XXXX  had operated with bad faith and many complains had shown it.
Consumer complaint received 2023-02-16
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. (CA)

XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.
Consumer complaint received 2020-06-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Consumer complaint received 2021-01-26
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 just refuse to correct the issue with XXXX displaying this late payment in XX/XX/XXXXwhich is not true. In addition I attached a picture showing the " Status Date '' has " NOT BEEN UPDATED '' and Status Date per their description on their pages states : Date the creditor last reported information about the account " PAYMENT STATUS ''. 

My payment status has been great and I should not have any late payment displaying. I'm going hold Experian liable for this error as I have tried to correct this error over 3 years. This is only displaying on Experian. 

In addition to that, this accounts should be showing closed since I do not have to pay on them until XX/XX/XXXX, per the Department of Education and the loans are more likely will be forgiving because of the illegal practices of University of XXXX. 

Please correct this payment history or face legal actions this Experian last chance!
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I am writing to file a formal complaint regarding Chase Bank 's handling of a recent dispute. My family and I fell victim to an online Ponzi scheme called XXXX XXXX XXXX, resulting in losses exceeding {$20000.00}. XXXX XXXX XXXX deleted our accounts without proper communication or justification. The company has been widely exposed as a fraud by numerous individuals online, citing server issues designed to cost traders money and arbitrary denial of payouts. 

When we reported this scam to a Chase representative, our claim was rudely dismissed without any request for supporting evidence. The representative 's rationale was that we had used the service, despite our explanation that XXXX XXXX XXXX is an unregistered and unregulated online firm that never delivered the services as advertised. This company is a scam, and we were misled into believing we were engaging in real futures trading, while in reality, it was a fee-based Ponzi scheme. 

I am seeking Chase Bank 's assistance in resolving this matter and recovering our lost funds. We urge you to reconsider our case and take appropriate action against this fraudulent entity.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I wish to file a complaint against Bank of America where I have a checking account. On XX/XX/2024 I noticed a debit from Bank of America on my checking account for {$100.00}. I did not authorize this payment. I called BOA to complain and they stated they would credit my account for the amount for the debited amount. However this did not happen and so I am writing you in the hope that you will see to it that my account is debited in the amount of {$100.00}. Please advise me of your action.
Consumer complaint received 2023-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I have been in my home since XX/XX/XXXX and I purchased it for {$72000.00} and here it is XXXX and I still own about {$63000.00}. My mortgage has been sold many during time, I fell behind in XXXX and had to file bankruptcy and during my bankruptcy I was informed that my late payments would be placed at the end of my mortgage. Here it is about XXXX  years later and I still have XXXX  years on my mortgage. Right now Im paying my Mortgage to XXXX XXXX. I just informed by XXXX that XXXX mortgage owns my loan XXXX mortgage loan trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

I'm a XXXX XXXX here with an excellent credit history. I received several pre-approved offer letters from Wells Fargo, none mentioning anything about residency status. I applied and I got rejected for the reason " Not a XXXX  XXXX XXXX  ''. I wouldn't have applied if I knew XXXX  XXXX  was a requirement, and I expected them to be informed of such a requirement before applying. Now I have a hard inquiry on my account with no credit card to use. I was thinking to get a new credit card during COVID and I chose Wells Fargo only because I had the offer. I would like someone to address this issue, please.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I have a XXXX XXXX XXXX from Barclays. I applied to my bank XXXX XXXX XXXX for a loan to bring down my balance on my credit card. XXXX issued a check on XX/XX/2022 for {$7500.00} and sent it with my statement. I have a copy of the check and statement. I noticed that the XXXX check has nothing on the check that it was for my behalf. I have been writing to the XXXX XXXX XXXX about my concerns. She stated that the check was cleared on XX/XX/2022 at XXXX. Several calls by me to the credit card, and they tell me that they don't see the payment. On Barclay 's end I spoke to a representative and a case # is XXXX. I am very concerned because no one seems to care.
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I called Trans Union in regards to credit inquires that I didn't recognize on my credit report. I told them that this information is false and they said that they can't take care of it. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX  XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 2019
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

*Approval of the PSLF was received XXXX XXXXXXXX on XX/XX/XXXX XXXXBefore forgiveness was finale the loan servicing transfered to Mohela *Mohela claims not to have any of the paperwork for this PSLF program and require me to resubmit all of the documentation *Mohela has given 30 day timelines to respond and no response has been received *I am still having to spend hours on hold multiple days per week attempting to reach anyone at Mohela who can assist *My loans are still not forgiven as previously approved for the PSLF and as of XX/XX/XXXX I am being told I now no longer meet the qualifications XXXXMohela has mismanaged my loan documentation and will not follow up as promised. They are providing disconnected phone numbers and not responding
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LD Holdings Group, LLC (CA)

On XX/XX/year>. I reached out to Loandepot to work a solution against the natural disaster XXXX I was in. After a handful of calls, after a couple of questions, the phone would go silent and another time the phone call would be hung up by reps. I finally got in touch with a rep and was told I had to fill out a loan application. I told them that I do not want another loan to pay off the unpaid balance, i just want to defer the loan onto the back end of the loan. Afterwards, i spoke to a supervisor and still Loandepot refused to assist me and told me a workout plan will be made after the investor 's review.
Consumer complaint received 2023-07-13
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: Bread Financial Holdings, Inc. (PA)

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 an 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.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (OK)

I have a Chime prepaid card. On XX/XX/21 I reloaded my card at XXXX located at XXXX XXXX XXXX, XXXX XXXX, OK. 
A cashier by the name of XXXX loaded an additional {$300.00} onto my prepaid card. As a result, I did not use the card after noticing the extra funds on my Chime card. I returned to the same XXXX location witihin a few hours of the original load transaction. The XXXX manager debited the extra {$300.00} on my account. I was then told by the store manager that she would also contact Chime to verify the correct amount had been removed. I recorded the managers store transaction of my Chime card via cellphone video. On XX/XX/21 Chime closed my prepaid account via email and I was immediately disallowed access to my online Chime account information. I contacted Chime via email about the cancellation of my account and received a general response on XX/XX/21. Chime indicated I would receive the remaining balance on my prepaid card via check within two weeks. Two weeks have now passed and I have not received the remaining funds on my closed prepaid Chime account.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (TN)

I received a notification on my credit file showing a collection account reporting with Plaza Services LLC acct # XXXX in the amount of {$27000.00} over a month ago. I disputed this fraudulent account with the credit bureaus, and attached a ftc identity theft report and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company over a month and a half ago. For some reason they are still updating this account monthly to my credit report as if it is a VALID ACCOUNT WHICH IT IS NOT! I have no knowledge of this account nor any involvement with PLAZA SERVICES LLC. I have neither engaged in business transactions with them nor entered into any agreements. I've contacted this company at their phone number numerous of times, and they never answer the phone! They also aren't responding to any of my correspondence regarding this fraudulent account, and ignoring all communication with me. Hence, it is unjustified for them to report such information on my credit report. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Im attaching my ftc identity theft report and police report that the credit bureau sent to them over a month ago to this complaint. I have also sent a complaint to the better business bureau and your department has not responded to the complaints!
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I am writing to report Suntrust Bank. I had taken out an auto loan several years ago with suntrust bank in which I ended up having to do a settlement amount that was paid in full last year. The document that suntrust has given me states that I fully paid the settlement on XX/XX/2021. Since then I have been calling suntrust and all credit bureaus to get this updated, however, my credit reports are still showing missed payments for each month and an owed amount. When I call the credit bureaus they tell me that suntrust is reporting that I have never paid, however, when I call suntrust they tell me that they have been trying to get in contact with the credit bureau to let them know I have paid and even pretended to open a dispute on my behalf. When I call a few weeks later after being told time and time again by the credit bureaus that suntrust is still reporting every week that I have not paid, the are unaware of any dispute ever being open and just keep lying. I have been tirelessly trying to get this removed for over seven months and have been constantly lied to and manipulated into thinking it would be resolved only to see that month after month nothing has changed and Suntrust is still reporting that I owe each month to all of the bureaus. I am being affecting in every aspect of my life with the misinformation on my score. I would like to report suntrust bank for bad business practices and for lying continuously. Thank you