davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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. (LA)

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (GA)

Hello, I called into Experian on XXXX to get an addresses removed. I was intially advised my information was compromised and I called in on XX/XX/06 to get it fixed. Which I did not. 
I attempted to get an address removed but was advised I couldnt because it was attached to a loan. She asked did I have student loans and I said yes and said well this cant be deleted. I the requested a supervisor. She took my number down and said she was going to transfer the call I said wait Im not finish and then she says well you asked for a supervisor they will finish. She cut me off while I was speaking and attempted to transfer the call but of course it got disconnected. Pls remove the addresses attached.
Consumer complaint received 2020-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

They charged 299 % interest ... I had no idea this is Robbing me ... I have payed the loan off however because of the interest rates I have barley paid the principle and I am still getting ridiculous interest charges of 299 %
Consumer complaint received 2020-06-09
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 (CA)

On XX/XX/XXXX I called capital one bank letting them know that my XXXX  was effected by the covid-19 pandemic and that I would prefer to postpone my due payment to a later date. They confirmed that they will postpone that billing cycle. On XXXX I made a minimum payment and on XX/XX/XXXX I paid off all my cards with capital one in full. I was surprised to find out that they have reported to the credit bureaus that I missed a payment on XXXX. Even tho they confirmed that they will postpone the due payment for the next billing cycle and that they will not report it to the credit bureaus as a missed payment. I tried reaching out to capital one several times on XX/XX/XXXX but they said that they can not do anything Im regards to this missed payment reporting. Please keep in mind that the minimum payment was only {$25.00} and I would have never missed that payment if they wouldnt have confirmed that it is ok to do so and it will not be reported as a missed payment.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX email : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Destination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date XXXX XX/XX/XXXX XXXX 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 ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : JPMCB CARD SERVICES XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc. (PA)

I attended a XXXX XXXX  and paid for it with a loan from climb credit. I am currently furloughed because of COVID-19 and I wanted to defer my loan.

They told me I that theyre deferral option is to pay a smaller monthly payment but that isnt a deferral. Deferment is to make no payments. Climb has their own definition of what deferment means and they have a deferral policy that allows me to defer payments for 6 months during the life of the loan.

According to the law and the English dictionary, deferment means no payments. They are trying to force me to pay when I have no money and will not allow me to defer payments like I thought I would be able to. 

I took the loan with a clear understanding of what a deferment means and they have completely blindsided me with their own made up definition of a deferral. This isnt what I agreed to when I took the loan. They cant make their own definition of what a deferment means. 

Please help me with this. These people are trying to take advantage of me and I wont allow it to happen. 

The loan is for $ XXXX and it was disbursed in XX/XX/2019.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

Mortgage contract states a XXXX late fee will be charged if payment due on XX/XX/XXXX is not received in TEN ( 10 ) days ( which is by XXXX ) Ditech is charging a XXXX late fee on the day AFTER the payment is due. ( XXXX ) My billing STATEMENT still says a XXXX late fee charged on late payment on the top right corner. 
Why are they charging XXXX if payment is ONE DAY LATE BREACH OF CONTRACT Also online account info shows current when paper statements reflect past due because they bill the paper statements for the next month before the current month is even due, making the consumer " appear '' as tho they are past due so this company can falsely report delinquent.

Also over payment are being put into an " UNAPPLIED amount, then the next month I get ANOTHER late fee even tho I OVERPAID the month before!!!!!
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (MD)

During XXXX of 2019 there was a bank transfer made through a platform that traded Crypto currency. Several thousands of dollars were trading without my knowledge and since then I have rectified the situation with the company and my bank PNC. However they still refuse to allow me to trade with the company when I want to.
Consumer complaint received 2019-12-27
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: EQUIFAX, INC. (MA)

On XX/XX/2019 I lodged a complaint against Equifax for NOT PROVIDING ME A COPY OF THE DISPUTE RESULTS via the CFPB ( XXXX ). This is not to be confused as a copy of the credit report but rather the consumer is entitled to the results of the dispute separate then the credit report. In this complaint, it was very clear that the consumer was requested a copy of the DISPUTE RESULTS and that the investigation into the matter was already conducted and closed. However, this has proven to be fruitless. In fact, in a response to the original CFPB complaint, Equifax states that the consumer indicated that there were inaccuracies on the consumer 's credit report when in fact the complaint had nothing to do with. In fact, the complaint was due to Equifax and there handling of a copy of the dispute which is required to be sent by federal law. 

Equifax sent the consumers PII to two ( 2 ) different email addresses other than the ones that the consumer requested or operates. This is also a violation of federal law. Equifax stated that would fix and correct THIER mistake however they have not done so to do and have further refused to send the consumer a copy of the dispute results. In fact, Equifax stated that if anything happens with the consumers PII that they sent to another person other then the consumer themselves that the consumer would be liable for anything resulting as such, such as identity theft and or fraud.

EQUIFAX themselves have violated several state and federal laws and willingly and maliciously disclosed a consumer 's PII to others without the consumer 's consent as a vendetta and retaliation against the consumer for making complaints. The consumer DEMANDS that Equifax hold itself accountable and take ownership and correct the issue and email the copy of the dispute results to the consumer as promised and supposed to do in the first place.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / Experian / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX : XXXX  : {$17000.00}. I believe it was reporting in error.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CHOICE RECOVERY INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-04-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

I got this gift card about a XXXX  ago and I tried to use it for an in store purchase. The transaction wouldnt go through and it was asking me for a pin that I have never set up. I tried to go to the site on the back of the card ( XXXX ) but it doesnt take me anywhere. I tried to call the number as well but I think I was calling a fax machine.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have accounts that needs to be removed due to incorrect information being reported I have previously removed these accounts from the other bureau experian and transunion wont delete off the report I am referring to XXXX XXXX XXXX  opened XX/XX/XXXX balance {$4300.00} also XXXX XXXX XXXX opened XXXX balance {$4400.00} ameri collect dates opened XX/XX/XXXX, XX/XX/XXXX balance {$1500.00} and {$1500.00} that is supposed to be deleted which is already deleted from my report due to previous dispute XXXX wont delete anything nor will update my report when i reported someone was using my name. 

XXXX XXXX  XXXX opened XX/XX/XXXX balance XXXX monthly payment {$490.00} i have paid my bill and i need it updated i dont have a XXXX late payment self credit card opened XX/XX/XXXX balance {$500.00} i already paid my bill i need it updated that i paid i dont have a late payment and the utilization isnt reporting right self loan XX/XX/XXXX i have paid my bill already i dont have a late payment
Consumer complaint received 2019-12-27
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. (OH)

My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (AZ)

I have called multiple times and even went into the local branch. This bank not only closed my account but they also did not address my problems with fraud. I am a victim. someone used my card to make fraudulent charges and I notified them multiple times. This account is in direct violation with the 15 U.S CODE 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Consumer complaint received 2022-10-04
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. (TX)

In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Home Projects Account Number : XXXX XXXX XXXX XXXX Purchased a new Air conditioner by availing an amount of XXXX XXXX=per billing cycle as of XX/XX/XXXX under a fixed installment plan of {$220.00} per month. 
The Card was issued to XXXX XXXX XXXX XXXX NJ At the time of purchase I was told it's a no interest funding as a part of the special terms extended by the bank under the arrangement extended to the customers of the subject company to attract my business. 
As of XX/XX/XXXX the balance due was shown as {$3000.00} as I have been paying my installments regularly. 
AS OF XX/XX/XXXX THE BALANCE DUE SUDDENLY INCREASED TO {$5700.00} AS THE BANK MADE AN UNAUTHORIZED INTEREST ADDITION FOR AN AMOUNT OF {$2800.00} WITHOUT MY CONSENT OR AUTHORIZATION. 
MY MONTHLY INSTALLMENT NOW IS BEING SHOWN AS MINIMUM PAYMENT DUE AND FROM NO INTEREST I AM BEING SUBJECTED TO PAY AN APR OF 28.99 %. 
PLEASE INTERVENE AND SAVE ME OF THIS HARASSMENT DURING THIS PERIOD OF HARDSHIP AND CRISIS DUE TO COVID 19.ALL OTHER BANKS ARE OFFERING RELIEF WHILE WELLS FARGO IS ACTING AS A PROFITEER. 
I AM A SENIOR CITIZEN AND FEELING HELPLESS THANKS AND REGARDS
Consumer complaint received 2020-06-09
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. (IA)

My husband and I got married on XX/XX/2020. Our names have been legally changed since XX/XX/2020 ( before quarantine even started ). We have updated our information with the Social Security Administration, the Department of Transportation, and all of our financial institutions. Both XXXX   and XXXX have already updated our full names to the correct legal names. Yet, as of this evening on XX/XX/2020, Equifax has yet to update our names to match everyone else. 

We submitted our first Equifax dispute by mail on XX/XX/XXXX, as directed by a call center representative. Though we included all the necessary information, they still closed our dispute without updating either of our names. Since then, we have submitted an online dispute on XX/XX/XXXX, which was met with the same result ( or rather, lack thereof ), and again on XX/XX/XXXX, this time submitting both by mail and online. We have yet to hear back about our third attempt, but sadly, I fear Equifax will continue to blatantly disregard our request. 

Now, under normal circumstances, I would be more patient, but my husband and I have been trying to apply for a mortgage since late XXXX, and Equifax 's lack of response has been the only thing holding us back. We implore you to please hold Equifax accountable for the upkeep of their records, so others may not be forced to experience this.
Consumer complaint received 2019-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

my name is XXXX XXXX and I am currently a mortgagor and my loan is being serviced by shell point mortgage AKA New Rez my loan number is XXXX This brief letter is to explain the horrible customer service and lack of service I receive when calling this company about anything! I recently underwent XXXX  XXXX on XX/XX/19 and was out of work for four months I called them to see if there was any way a payment could be deferred to help me out until I went back to work well guess what they said no so I went back to the drawing board getting a bit of assistance from charitable organizations to help me make a payment back in XXXX they lost they payment that was sent to them by city of XXXX on my behalf took a month for them to find it and that was after a complaint online to their corporate and several phone calls these people are horrible servicers who take their jobs for granted and do not go above and beyond in fact they do the very minimum well fast forward I've been back at work two weeks today XX/XX/19 and last month which was XXXX I asked for a repayment plan on {$300.00} of {$1100.00} because I didn't have the entire payment well these people don't offer you any options they don't care if you're being proactive it's like they want you to lose your home during the phone call he explained that it was the XXXX of the month and they need at least 7-10 business days to process the repayment plan so my credit may still  be impacted so I declined and borrowed the money for the month of XXXX so I called them today XX/XX/XXXX to see if I could not do a repayment plan well not only was the girl not informative she was rude and basically stated that it takes 10 days to get paper work and another ten to process the repayment plan what in the heck is going on with this company each time I try to be proactive it's like I get shot down almost as if they do their best to work against you I've called several times about the PMI on my loan and basically get told because I have an FHA it cant be removed and they don't give any information to support that because I know a couple people who have an FHA loan and have had their PMI removed what kind of company is this where they don't explain things they lose your payments talk to you rude cold transfer you to voicemails without telling you and the managers don't hold them accountable their just as bad how did I get involved with the mortgage company from XXXX their mortgage practices need to be investigated this is not fair that hard working people have to call in and be subject to this foolishness when all we want is respect and answers about my PMI answers as to why they are not rules and turn around times connected to repayment plans and things that matter do they just make this stuff up as they go along is that really what is going on please help