davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (TX)

In XX/XX/XXXX, after filing XXXX  XXXX Bankruptcy in XX/XX/XXXX, I began my credit rebuild journey by opening a secured credit card with First National Bank of Omaha. At the time, they advertised that if you made your payments on time and managed the secured credit card accordingly, the card would graduate to an unsecured account after 11 months. 

XX/XX/XXXX will be three years that I have maintained good standing with this credit card account and it remains secured with my initial {$500.00} deposit from XXXX. I made several efforts in XXXX and XXXX to reach out to FNBO to inquire about the card being transitioned to unsecured and each time they stated that this is an automatic review process. 

Since I opened this card, I have paid off my bankruptcy early resulting in an early discharge. I've doubled my income and purchased two cars and a home. I have multiple unsecured credit lines with {$2000.00} to XXXX limits. I've paid off my FNBO card nearly every month, rarely carrying a balance to the next statement cycle. My account is on autopay to avoid late payments. Yet, I have this secured card with a very low limit hindering my credit profile. 

Unfortunately, because it is one of my oldest cards opened during my credit rebuild, closing the card will cause my score to go down. However, having the card sitting there is also not beneficial as we know when I open new credit accounts, higher limits beget other higher limits. It's a catch-22. 

I also find it concerning that FNBO has not requested my income during these automatic reviews. The income is an important piece of the review process and there is nowhere on the site that allows me to update it. How do you determine one 's full creditworthiness without the knowledge of their income? Whether or not they own their home? 

FNBO advertises that the card would graduate after 11 months ; however, that is the furthest from the truth. Additionally, they are now advertising that cardholders can qualify for additional credit limit increases after 7 months without having to send in an additional deposit. I am three years in with the same account and terms that I started with. In speaking to a customer service rep today, they are still claiming the card graduates in the 11-month timeframe. Had I known that was not the case, I wouldn't have wasted my time with FNBO and used one of the other many credit card companies that actually keep their promises and use a human to make decisions on the customers they supposedly value, not a machine.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, XXXX
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NH)

I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.
Consumer complaint received 2018-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I had a group of 5 student loans that were refinanced. The loans were overpaid by {$160.00}. XXXX XXXX  said that they issued a check on XX/XX/XXXX. Then in a separate correspondence they said they issued a refund check to the new servicer on XX/XX/XXXX. When the new servicer said they still hadn't received any payment, I asked again and XXXX said they issued a check on XX/XX/XXXX. The date of the supposed refund check keeps changing and the new servicer still says they haven't received any payment. This {$160.00} seems to have disappeared even though I am paying interest on this amount integrated into my new loan. I don't believe XXXX actually sent any refund check to the new servicer.
Consumer complaint received 2018-12-28
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. (VA)

This complaint is regarding CITI Card. The reason for the complaint is that they have a ONE-SIDED merchant dispute for us, ongoing since XX/XX/XXXX and now it appears that they are going to continue to accept - forced and not legally obligated swipes of $ XXXX/ month again in XX/XX/XXXX to a Network that we are not receiving anything from, XXXX XXXX XXXX XXXX. ( A home based business- A one - man shop -- that is not properly registered with an EIN for Tax payments to the IRS ). 

Please let CITI Card know, that we have no problem paying for a service if we use the service, and if we are obligated by contract. 

We are very surprised and angry to learn today, XX/XX/XXXX that after reporting to our CITI CARD ( XXXX XXXX, RE : Purchases to " XXXX XXXX XXXX XXXX '' originally authorized as an optional service, monthly, as needed on a card that ends in - XXXX however the merchant has been forcing charges on us without me actually typing in a card number under the re-assigned card number for the same visa that ends in - XXXX. ( This is suspicious because the Merchant, XXXX XXXX XXXX   XXXX is force-billing us without us presenting or typing in our visa card number, to prove that we are making a purchase. The Company 's Terms of Use Terms of Service are attached!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-20
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 (SC)

I went through an unfortunate event as a XXXX  parent. I described how I lost my job and was struggling to make ends meet to my customer service representative. I asked them if I could defer my payment, and I was told that was not an option but they could notate on my accounts that I would be late and I could pay later. As a XXXX parent, I try to keep my credit report free of late payments. However, I had no choice but to take a hit in XX/XX/2023 for card and XX/XX/2023 on my other credit card account. Moreover, I was even more devastated when I saw on capitalone.com that you all offer defer payments and waived fees for those going through a hardship. I feel that it is not fair. My agent did not offer that to me when I asked. I'm begging you all to have compassion and please help me by forgiving me of the late payment and removing it from my credit report on both of my credit card accounts.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-18
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. (VA)

I filed several complaints with Experian, XXXX  and I have already submitted a complaint with the CFPB. My problem is still not resolved. The company XXXX XXXX is reporting as an open account on my Experian credit report. This account has been closed and gone to collections. I did not open this account. The account was opened in my name when I was living in an apartment with several people, and I can not identify who used my information. XXXX does not have any signature for me on file or any record of speaking to me or doing legitimate business with me. Every few weeks, I receive notifications from Experian that I have made another late payment, but I also receive notifications from them that I have gone over a year with no late payments. The information in their system is clearly inaccurate and presenting this incorrect information to lenders is extremely unfair to me. XXXX has not properly communicated to Experian that the account is in collections, and so Experian frequently, randomly deducts points from my score as if I just recently missed a payment. I have a flawless payment history, and it is unfair for this incorrect information to still represent me on my credit report. After I filed my complaint with the CFPB, nothing changed. The CFPB closed my complaint with Experian on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. In XXXX 's response to me through the CFPB, they indicated that they fully knew " the loan was charged off on XX/XX/XXXX '', but still stated " we have confirmed that all credit reporting is accurate and will have to respectfully decline your request ''. They have also told me they are aware the account is in collectoins verbally on the phone, and said they made an error, and should have indicated to Experian the account was in collections in XX/XX/XXXX, but now it is " too late '' for them to change the status. It is even written on my Experian credit report that the account is in collections. Yet, the account just appears under the " closed account '' tab and I am constantly penalized for making " late payments. '' As I attempt to further investigate who wrongfully used my information to open this account, Experian at the very least should stop continuously penalizing me for an account that went into collections XXXX of XXXX, and properly indicate that the account is in collections, and has been since that date.
Consumer complaint received 2018-10-21
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: EQUIFAX, INC. (VA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

You have already helped me with another issue that was cleared up with my existing loan. That was completed back in late XXXX. Thank you for your assistance. At the same time I had also reached out to my current lender for help with a loan modification. After speaking with one of the executives at Chase, XXXX XXXX, about my concerns, she informed me that it shouldn't be an issue and all I would need to do is fill out the appropriate paper work in which she included in her response through you in XXXX. They are well aware of my situation and that I already had my mortgage modified approx. 10 years ago when the market crashed. So that being said, I had sent them all required documents and paper work showing them that my situation had changed again and my income was less than last year. As per their request. I then just received a letter stating that I had only one option to short sell my house and they did not approve another loan modification because I had already received on back in 2010. That was the only reason why I wasn't considered. If I had known this I would have not had applied but no one ever informed me this prior to my efforts. Everyone at Chase was well aware of my situation especially because they had resolved another balloon payment issue from that modification. IS there anything you can do? I don't want to lose my house or have a short sell. I am paying my mortgage and not behind as of now but would appreciate if they would please be more flexible. The only other concern is that although I have my mortgage through Chase but it's owned by XXXX XXXX. 

Please let me know if you could help me again. 

Kind Regards, XXXX XXXX
Consumer complaint received 2022-03-18
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: BARCLAYS BANK DELAWARE (NY)

I checked my credit report today and noticed an inquiry from BARCLAYS BANK DELAWARE that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

Hello, On XX/XX/XXXX, over XXXX dollars was taken from my checking account with Chase bank through a fraudulent XXXX transaction. I was told the issue would be resolved in 10 days by multiple agents including at the branch itself. They gave me a temporary credit of the money after I complained about the wait time but they made it clear that if they determine me to be at fault for this hack, they will automatically withdraw the money from my account again. 
Last week I called Chase because they accidentally put an extra XXXX dollars in my old account from a bank error ( admitted on their end ) and told me that I will just have to wait it out. I told them that the account was compromised and I needed the money out ASAP since it might just be taken again. They couldn't help me and I just needed to wait for it to be resolved which took over 24 hours. Luckily the money DID disappear ( I'm assuming Chase did it ) but they are still crediting money to the old hacked account ( such as vendor refunds and such ). On the same call I asked for a status on my claim and they told me I have an expected resolution date of XX/XX/XXXX. After I told them about how I was quoted 10 days, I was told they couldn't help me and after I asked for a manager, the rep refused to transfer me. I get that I have a temporary credit but this is money I can not spend since they made it clear they could take it back if they decide that I was at fault for the hack or they think it was valid. 
I've provided the email explaining the temporary credit and two call snippets. One admitting that they put money in my hacked account by mistake and the other telling me my resolution date. 

-XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I discovered a recurring monthly charge on my credit card for Experian on XX/XX/2018, and again on XX/XX/2018. I did not authorize this charge and have no information regarding it. I have tried to contact Experian to dispute/cancel the charge and I am unable to contact a live body. When I enter the requested information, the automated system says it does not recognize me and hangs up. I have checked all options on the website and get directed back to the same phone number. My credit card company is disputing the charges on my behalf, but the only way I am able to cancel the recurring charge is to have a new credit card issued with a different number which I now have to contact all of my other vendors. This is extremely frustrating and wrong. I want to do what I can on my end to ensure that Experian offers the ability for someone to talk to a customer service representative about issues.
Consumer complaint received 2023-03-29
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. (MI)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states that I have a right to privacy 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

also, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MD)

The loan being serviced by Shellpoint was transferred to XXXX  XXXX XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan to XXXX ; however, my current credit report shows that the loan to Shellpoint is still open, as opposed to being categorized as " closed ''. I contacted Shellpoint and the customer service representative stated that they no longer service the loan that I needed to contact XXXX. I explained that XXXX shows the loan as being paid off but open with Shellpoint. The rep again stated that XXXX was faulty. and they could not help me. 

Loan No.XXXX Contact info : SHELLPOINT XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Phone # : XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.