davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I called XXXX and Equifax spoke with agents requested to have the fraud alert deleted from my file. They told me verbally the fraud alert was deleted and it will take XXXX or sooner to show. I get mail the following week from XXXX and Equifax telling me they placed me on " XXXX XXXX alert ''. I DONT WANT XXXX XXXX ALERT ON MY FILE. I also requested to have addresses I never resided that are on my file deleted. I provided my ID, SSN, proof of address multiple times to XXXX and they will not remove the inaccurate addresses, even after providing the documents they requested.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I had a Kohls Store Credit Card ( administered by CapitalOne ) which I have been unable to use because of COVID situation and my own financial situation. Apparently, the store closed the credit card without sending any warning notifications or communications. But they have conveniently reported it to the Credit Agencies as closed account. After calling Kohls they described a policy of 24 months non usage leads to automatic closure by system and can not be reissued. Thereafter, suggesting to reapply for card. In these special circumstances which is affecting others as well apart from me, the store acted unfairly, and in a dishonest manner in closing the account without giving prior notifications.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

DATED XX/XX/2019

XXXX/FORTIVA 
XXXX XXXX XXXX
XXXX XXXX XXXX


I WANT MY CREDIT SCORE TO REFLECT THAT I DO NO OWE OR WAS EVER LATE ON ANY ACCOUNT WITH FORTIVA.

I WANT A REFUND OF MY XXXX AND FOR FORTIVA TO STOP, REPORT FALSE INFORMATION TO THE CREDIT BUREAU.

I WANT FORTIVA TO STOP REPORT FALSE INFORMATION ABOUT LATE PAYMENTS. I DO NOT HAVE ANY ACCOUNT WITH FORTIVA, THE ACCOUNT WAS CLOSED ONXX/XX/2019


I WOULD GREATLY APPRECIATE FORTIVA TO IMMEDIATELY DISCONTINUE REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS.  AGAIN I DO NOT HAVE ANY ACCOUNT WITH  FORTIVA. 


AGAIN I AM REQUESTING YOU DISCONTINUE TO REPORT FALSE INFORMATION TO THE CREDIT BUREAUS IMMEDIATELY AND INFORMED THEM THAT THOSE 2 MONTHS THAT THEY FRAUDULENTLY REPORTED AS LATE ON MY CREDIT WAS FALSE, THAT THEY BE REMOVE IMMEDIATELY AND HAVE MY CREDIT SCORES RESTORED. 
 

XXXX XXXX
Consumer complaint received 2019-12-15
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. (SC)

Submitted information via experian upload more than two months ago.I am writing to dispute the following information that appears on my Experian consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I've attached the documents with this complaint.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have been in contact with MyFedLoan regarding my loans and the TEPSLF program for over 8 months and nothing has been resolved. I have over 3 years of payments from a previous loan servicer ( XXXX XXXX ) that would qualify as a 'qualifying payment ' under the TEPLSF program, but MyFedLoans is not counting them because they are in a " pending manual review '' status. I have been requesting them to review these paymentss since XXXX and nothing has been done. I just keep getting the run-around from customer service. If they would just review these payment, I know I would qualify for loan forgiveness.
Consumer complaint received 2021-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (FL)

For several months I have been writing to XXXX and Exeter about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called Exeter Finance and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called XXXX and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by Exeter Finance or XXXX XXXX XXXX so quickly with the bureau 's
Consumer complaint received 2021-07-29
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. (UT)

I have been sending out letters to the bureaus and have not heard back. I sent several letters over the last 5 months and have received no letters or updates on my credit file. I will attach the letters on this complaint but there have been several others.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One is reporting an account on my file that says " Authorized User ''. I do not recall ever being added onto anyones account. This account is not recognizable to me and you have nothing signed from me binding me to this account. I do not know whos account this is and I must be removed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

I called am express to waive my late charge as my wife was at the XXXX XXXX. they waived a charge but added double late fees in XXXX I said why and they gave no explanation.. this happened many times. icalled to make payment on XX/XX/XXXX ( the due date ) charged a late fee. I didn't notice this until my XXXX statement when I saw a fee was charged on my due date ... it was on time, yet they charged a fee ... MY MAJOR COMPLAINT IS 29 % increase in apr for the XXXX AND ILLEGAL .... this co. has been doing this for a long time- this is illegal- they be fined for unfair credit practices. please respond payments have ceased until this problem is resolved. thank you XXXX XXXX -- - XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

To whom it may concern, In XX/XX/2019, I applied for the Public Service Loan Forgiveness program, via Fedloan servicing. On XX/XX/2019, I received a letter from Fedloan Servicing stating that I had only made 26 qualifying payments toward PSLF. The letter also stated that I have 94 additional payments to make, before I was eligible for the program There was very little information in the letter.

I would like Fedloan Servicing to answer the following questions for me : 1. Please tell me why these 26 payments, were different than the many other payments that I have made?

2. Please provide me with the dates of when these 26 payments were made?

3. Please provide me with the amounts of the 26 payments?

4. Please tell me why my income eligibility was only based on the last 12 months of payments, rather across the entire time that I have been make payments?

I also applied Temporary Expanded PSLF. I received a letter on XX/XX/2019, stating that Fedloan needed additional tax related information to complete a review. On XX/XX/2019, which stated that based on my income, that I did not make payments that were large enough, based on the FedLoan calculation. 

At this point, I have been denied both programs for the following reasons : 1. I did not have enough qualifying payments, but I have not been given any specifics of why the 26 qualifying payments were unique enough to be found qualifying. I have not been provided the dates, of those payments nor their amounts. I have not changed anything related to my student loans.

2. Based on an arbitrary calculation made by Fedloan, which only took into account my current income, and the previous 12 payments, it was found the I am not eligible for the Temporary Expanded PSLF opportunity, due to not having made large enough payments.

It stands to reason, that as long as I have been making payments, that I would be at my highest income level currently. Utilizing only the last twelve payments to calculate the amount, is a punitive and arbitrary rule, that is specifically designed to make it easier to disqualify applicants.

I will be filing a complaint with the Consumer Financial Protection Bureaus, and with my local Congressman. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (SC)

Since XX/XX/XXXX I have not been able to withdraw or transfer funds or crypto out of binance US I am verified with a bank account connected to my Binance US account. I have contacted them thru their ticket submission multiple times. No call number is available. I received emails from XXXX an XXXX that work at binance US day the problem would be fixed or is fixed followed by a email saying they will move my case to a higher department. I am able to deposit funds or crypto into the wallet but I can not withdraws. It has been 3 months my bills are past due an they have done nothing in a speedy manner to fix the critical issue.
Consumer complaint received 2021-07-27
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: Westlake Services, LLC (NY)

Accounts appear on my report that I never opened or authorized. The accounts are : WESTLAKE FIN XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

In the beginning of XX/XX/2019, I was promised by a Chase Private Banker XXXX XXXX in XXXX XXXX, XXXX  that my deposit of more than a XXXX dollars would receive an interest rate of at least 1 %. Additionally, it would be backdated to when the amount was deposited into my checking account on XX/XX/XXXX. At the same time, a certificate of {$1200.00} was promised if I kept {$250000.00} in the account for at least 3 months. After much communication with the bank and involving the OCC, Chase granted the {$1200.00} into my account in late XXXX after many efforts by my address this issue. 

The large credit for the higher interest rate for five months, however was never deposited into my account. My complaint is that I've been trying to address this with Chase both in person at the branch and via telephone with several Chase departments and it is still not resolved. The Chase Private Banker and the XXXX XXXX Chase Branch Manager XXXX XXXX agree that this interest is due to me and have admitted that it is a branch error as well as submitted paperwork to the district manager and Executive Office to rectify the situation.

The Executive Office, however, has contacted me and stated that the they can not backdate interest on  accounts. What they fail to understand that I was told by the Chase Private Banker in XXXX that the rate increase would be applied to my account going forward. Chase still owes me this interest starting in XXXX and it amounts to thousands of dollars.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-07-29
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Credit Bureau : Transunion I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference Number : XXXX We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian refuses to remove false negative information on my credit report. XXXX and XXXX have both removed this false information. Experian for some reason refuses to investigate and has not provided me with any proof with my signature as to how the accounts were verified and not removed.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (VA)

I am being harrassed by a company named Affirm, who informed me I owe them {$12.00} for a loan I took out with them. I informed them I never took a loan out and I do not owe them any money. Some how the company has all my contact and personal information and sent me an email and text informing that they were going to report me to collection and XXXX. I informed them that I didn't seek a loan from them multiple times and that I wan them to remove my information from their records and to stop contacting me. 

I am not sure if the company is real. I took a look at the affirm site and they have complaints from others noting the same type of incident ; being contacted for loan payments for loans they never applied for or received. I've attached the email I've received but I don't believe I need to deal with these people. I didn't take a loan out and don't believe it's fair for someone to bother me dishonestly to swindle money out of me.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I wrote to JP Morgan Chase Bank to the attention of XXXX XXXX CEO to advise him that I had come into knowledge that the Bank issued me a credit card with a credit entry and not actually money. It is illegal for a bank to loan credit in all 50 states. 
This transaction was not disclosed to me and the issuance of credit was deceptive and extremely fraudulent in that I was the only one taking a risk in this transaction. 

I let Mr. XXXX know that I am rescinding the contract immediately or in the alternate that JP Morgan to prove that the bank actually loaned assets of the bank. 

JP Morgan Chase Bank, Mr. XXXX refused to answer my correspondence and sent me a letter saying that the debt is valid.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I noticed a new account in collections on my TransUnion credit report. The account originated from a XXXX company ( XXXX XXXX XXXX ), and I can not find a reasonable way to contact them. The alleged debt is for a sum of {$3800.00}, and I'm not sure what this debt could even be for. I have received no notifications of this accounts existence, or of any debts prior to the collections account. 

This company appears to own XXXX U.S., of which I am a customer. I have never gone delinquent on a payment to XXXX. I am unsure of the correlation between my telephone provider and this fraudulent account. 

I believe this account was born of identify theft, though my dispute through TransUnion resulted in no action taken. I do not know what supporting documentation I am meant to submit if I have no knowledge of this debt in the first place, with the exception of a derogatory mark on my credit report. 

Currently, the account seems to be in the possession of a collections company by the name of XXXX XXXX XXXX XXXX XXXX.