davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XX/XX/XXXX, I held a savings account with back-then, XXXX XXXX XXXX, and which was linked to a secure a XXXX credit card # XXXX. The amount in the account at the last banking statement was {$4000.00}. 

In XX/XX/XXXX, I was laid off from my job, but continued paying the monthly charges on the credit card. Months later when realized that I could no longer make said payments, I contacted XXXX XXXX XXXX to request a hold, or postponement, of payments until I return to work since I was covered under the " credit card protection plan. I was informed that said plan did not apply any longer since I had " failed to contact the bank right after I had been laid off the job. I then requested a closing of the account and requested a {$80.00} plus, which was my available credit at that time. A few years went by without having received a response from XXXX XXXX XXXX  in that regard. 

In XX/XX/XXXX, I had gone to my present bank to make a withdrawal in order to make my regular payments which were due during the first days of the month and which included my rent. To my astonishment, over {$1400.00} was whipped out of my account which included my entire bi-weekly salary which was garnished as well. The firm of 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ' later stated that said action was taken on behalf of XXXX XXXX XXXX  in order to collect a debt that was owed. 

I hereby must make it crystal clear, that I was never serve a summons to appear in court in this regard. This, I clearly expressed to the judge, but my statement was duly dismissed. It was during my third XXXX XXXX XXXXXXXX court appearance in which it became clear that previous summons were sent to my old, former, address. I was also informed that perhaps my savings were part of the unclaimed funds held by the state of New York due to the closing of XXXX XXXX XXXX. I then learned that XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, which consequently was sold to Chase Bank. After contacting Chase Bank, I was informed that said institution had no record of any funds belonging to my person.
Consumer complaint received 2022-02-02
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: Paypal Holdings, Inc (MD)

I bought what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX  and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX  to do to associate the tracking which I used to the return label tracking which they had sent. XXXX  has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX  do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back.
Consumer complaint received 2022-11-19
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. (IL)

I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (AL)

Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

In XX/XX/2020 I closed on a streamline refinance. During this refinance I wanted to put my husband on the deed of the home. Instead of filing the document to put him on the deed of the home the closing company put him on the Deed of Trust. He is trying to close on a home in Florida, he can not because when they did a title search, they found that he is obligated to the loan on my home in Maryland. He is not even a joint applicant on the refinance. When I called XXXX XXXX, Maryland Treasurer 's office they told me that a new Deed of Trust needs to be filed. I have called the original loan officer, the title company, my loan servicer, the processor, the closer, and back to my loan servicer. I have emailed and I have received no help at all from this company and they are all affiliated. I was told today that the only way to fix this error is to refinance the loan. I need help fixing this error and I am getting the run around. I have called : XXXX XXXX at XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX = XXXX Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX My Mortgage company is Lakeview Loan Servicing and the servicer is XXXX XXXX in Virginia XXXX Virginia. 

Lakeview Loan Servicing , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Please help me get this resolved.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.
Consumer complaint received 2022-05-13
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand of the wrong person.
Consumer complaint received 2019-09-19
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. (PA)

Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609
Consumer complaint received 2023-03-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, have violated my rights 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 2022-05-13
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. (SC)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the Equifax data breach and may have gotten into the hand of the wrong person.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XXXX XXXX XXXXXX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On XX/XX/XXXXI notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and Equifax on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  )XX/XX/XXXX and 30 days late ( Equifax ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( Equifax ). XX/XX/XXXXit reflects that I was 60 days late ( XXXX ) and paid on time ( Equifax ).XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( Equifax ), XX/XX/XXXX it reflects that I was 150 days late ( XXXX ) and 120 days late ( Equifax ). It also reflects that I was late 120 days for the months of XXXX-XX/XX/XXXX on Equifax. There is also activity reporting after the account was closed which from my understanding is a violation.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2020 and XX/XX/2020. Covid 19 hit and could pay that months at the time was out of work. But did pay a month later. Now the credit bureau wont remove it because of natural disaster Covid 19 And in XX/XX/XXXX My sister died and left a XXXX son I had to leave for 2 months had no info on me when I got back I called them and explain to them what happen They said sorry we can help you I was always on time with my payments With Covid the late charges should be waived with this pandemic
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP (NY)

XX/XX/2021, I signed up for a secured credit card with Key bank at the time I spoke to an agent about why I was opening the card at length. I stated that I was going to use the card exclusively for bills and some small purchases but I would be using the majority of the available funds monthly due to it needing to be used for bills. I was told the card would be reviewed in 6 months, XX/XX/2021 and as long as I kept a low balance on the card or zeroed it monthly, I would be given back access to the funds that were put into a savings account in order to start the card. I was told it would build my credit to have both accounts and that as long as I successfully paid the card off my credit score would go up. I expressed my intention was to be eligible for increasing lines of credit such as car and home loans in the future. The card is now negatively affecting my credit score due to a high balance when I use it even though that balance has never carried to the next month and the card has always had a XXXX balance at the end of the month. 
I have been contacting the bank since XXXX of 2021 with nothing but halfhearted apologies that the agent shouldn't have made those promises. They refuse to fix the situation and I have no way of being able to access those funds or close the accounts without further damaging my credit the exact opposite of what I spoke to the agent about. Key bank has even gone so far as to just hang up or just disconnect the chat when I use the online feature. I did inform them I intended to submit a report in XXXX of 2021 at which time they stated a higher manager would reach out to me. He did so at a time when he intentionally knew I would not be available even after I clearly stated my availability and then refused to return my calls.

When I called to receive help most recently and voiced my complaints about these matters my accounts were made so I could not and still can not use them. I was told that there was no issue with my account or cards and that there was nothing that could be done. The agents transferred me four times to four different people none of which could make any changes or allow me to use my cards.

Upon finally speaking with an agent who was in charge of the investigation I was told the matter Was dealt with internally. '' about the false promises the agent made to me and they have no intention of making any changes to my account. He even went so far as to attempt to discourage me from filing a report resorting to the classic manipulation technique of telling me how we wouldnt be able to talk anymore about finding a solution and when I informed him of being aware of his attempted manipulation and how it had failed, he became hostile. The agent was completely condescending refusing to do anything and constantly talking down to me, and then disconnected the call when I told him I refuse to be spoken to like a child
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (PA)

I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.
Consumer complaint received 2022-05-13
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXX and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX