davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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. (MN)

Please remove XXXX  account away from my credit file and send me a updated credit report showing the deletion please and thank you XXXX-XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  account could you tell me as to why youre reporting a balance on my credit report I dont owe your company anything. Please update the account to XXXX  balance or remove from my credit report please and thank you very much! 

View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response I show we have sent a deletion request to Equifax credit bureau to have any and all collection reports deleted from Mr. XXXX credit bureau.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MT)

Years ago I purchased a home and my mortgage w/ Chase bank . I have tracked them for years holding up my checks from clearing my account for months ( 3-6 ). I have tracked it for years w/ complaints to my State Attorney general. HE doesnt care, probably bribed not to look. My bank records are Never correct. I will have less than twenty dollars in there and my balance says thousands from Chase holding the checks. Since no one has been able to help, I have to keep records at home, give up my debit card and all payments online b/c I never know what is going on. Last month Chase wrote and said I have over 80 grand equity. Now I am notified my loan w/XXXX XXXX and equity 20 grand a month later. I have spoken w/ many people in my state of Montana and Chase is doing it to them. Lifes hard enough, banks rich enough. Id get fired if I didnt do my job right. Why are they in business. Americans deserve better and we are sick of our government serving banks not the people. XXXX.
Consumer complaint received 2023-03-28
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: Nelnet, Inc. (IL)

I have been trying to get this Late payment off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

XXXX took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called XXXX back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ XXXX he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (VA)

I had suspicion that my account could possible be compromised so I contacted Chime customer support Inside the banking app on XXXX XX/XX/22 and I was IGNORED! A week later my account was compromised and my Paycheck {$590.00} was stolen. After 7 Hours on the phone with customer service we managed to get back into my account only for it to be compromised again on XXXX XX/XX/22 and {$240.00} was stolen out of my account again. Since XXXX XX/XX/22 I still have no access to my account and all efforts to resolve this situation with chime have accomplished absolutely nothing. It is now XXXX XX/XX/22 and I am still locked out of my account. Customer service keeps telling me to log into the app. But they don't seem to understand that I am unable to access my account because they have failed several times to change my Account information so that I can access the app. At this point I can't tell If I'm being scammed by a scammer? Scammed by Chime? Or both? Chime is great until you have a problem. Customer support has provided absolutely no decent assistance in resolving this matter and I need help from. Due to this all of my bills are late which has created a whole different set of problems for me. Chime has FAILED miserably to help protect me & my account.
Consumer complaint received 2022-12-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION (VA)

Hello! I keep getting a call from Allied Title Lending LLC saying that I owe a debt and since Im not cooperating theyre sending agents to my HR department and to my home to arrest me. I called them back at : ( XXXX ) XXXX and spoke with a woman who said the same thing and when I told her I filed bankruptcy she rudely cursed me out and hung up. I called back and the same thing happened. It was further explained that I NEVER took out a title loan and again, if I had, its too late to collect because of the bankruptcy. This has been going on for days! The supposed debt ( under an address I never lived at by the way or even heard of ) is from XXXX. I filed a chapter XXXX in XXXX and a XXXX XXXX in XXXX. Those debts are no longer valid at all! This company knows that and when I referred them to my attorney they hung up each time. When they did talk, they could not tell me the location of this loan, who signed or showed ID for it, the dollar amount - nothing! This has to be a scam.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

On XX/XX/2018, I received " Take Nothing Judgement '' in which the Plaintiff, Discover Bank take nothing against Defendants XXXX XXXX. Cause No. XXXX Discover and the 3 credit reporting agencies refuse to change this from a Charge Off to removing from my credit report or to list it as a Take Nothing Judgement.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Transaction date : XX/XX/2022 Amount : {$830.00} Merchant : XXXX Credit Card : Visa by Capital One Disputed shortly after receiving the goods, which were faulty and damaged in transit. The goods were clearly not packaged correctly. 
Willing to show proof by photo and video. Claim got declined and was told to resolve with vendor. 

Vendor postponed several times and finally declined to help. 

Went back to the credit card company and once again got declined.
Consumer complaint received 2019-07-17
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. (NV)

XXXX, XXXX, EXPERIAN, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello there I got a credit card from Bank of America in 2017 and I was paying regularly all the payments until I lost my job at the time of Covid and I stopped paying for the reason that the bank itself does not reduce the payments that I was paying in all my payments for example I paid more than seventy percent of the borrowed amount and I did not get Except in installments of the same value, as if I had not paid anything, and for this reason I stopped paying them. I hope you study these types of problems with Bank of America
Consumer complaint received 2021-07-21
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. (NJ)

XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just reviewed my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (ID)

I hired XXXX XXXX XXXX XXXX to shuttle my vehicle and trailer from XXXX XXXX, Arizona to XXXX XXXX, Arizona, a distance of XXXX miles. While my vehicle was in the care of XXXX XXXX XXXX XXXX, it was driven XXXX miles. 

I disputed the charge of {$350.00} with my credit card company, CitiBank, and they agreed with my dispute, but the merchants bank would not refund the charge.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (MI)

National Credit Services has been reporting on my credit report for a number of years an account that no longer belongs to the client they once represented. I that this is an aggregious act of misreprentation, fraud, and harmful to consumers. Spoke with XXXX XXXX office on XXXX, who reported that have not done business with National Credit System in years and they should not be reporting or collecting any money on their accounts. However, when I contacted NCS, they indicated I had an balance of {$160.00} and were ready to take a payment. In fact the account was XXXX which had already been paid but yet here they were trying to take a payment for an account which was no longer theirs.
Consumer complaint received 2018-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I was previously over charged for my monthly payment by Navient in the amount of {$550.00} on XX/XX/XXXX. In addition to the {$550.00} they deducted the original payment out of my checked out in the amount of {$280.00} on XX/XX/XXXX. The amount of {$280.00} is my standard monthly payment through Navient. However, when I contacted customer service about the additional charge of {$550.00}, I was told it would be credited to my checking out. I was told my account would be credited within 24-48 hours. On XX/XX/XXXX, I contacted customer service again to see the status of the credit, as they said it looks like the proper codes were not put into the system, therefore the credit did not get approved. I was told the credit was submitted again. At this time, they took my checking account information to expedite the process and the supervisor I spoke to in collections stated it would be an additional 24-48 hours. On XX/XX/XXXX, I contacted Navient again to see the status of my credit of {$550.00}. This was my second time speaking with a supervisor. I was told that the credit can take anywhere from 3-5 days to be approved. On XX/XX/XXXX, I spoke with Navient supervisor and was told that the credit was approved on XX/XX/XXXX and that they are done on their behalf to check with my bank. This has been over 20 days that I have been waiting to have a credit in the amount of {$550.00} to my account, as it was Navient who made the mistake of taking that amount in addition to the set monthly amount. I am extremely frustrated that this has been treated as if {$550.00} is not a significant amount. I have been struggling to make ends meet within the last few weeks because of a mistake on their behalf.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2019-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Macys credit card company, DSNB, never sent me a bill or even attempted to contact me about a delinquent charge then refusing to fix the negative report on my credit after the small balance was paid in full.
Consumer complaint received 2022-12-15
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. (GA)

I have a right to exercise my privacy. My privacy was violated. The credit bureaus never did any investigation or show proof of the investigation. It's been over 90 days. I will like for this to be removed from my credit report.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Consumer complaint received 2018-11-14
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. (IL)

on XX/XX/2018 XXXX XXXX was added to my credit report this in a frudulent account so I disputed it it was removed o XX/XX/2018 then on XX/XX/2018 this account came back on my report.