davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (FL)

This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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. (NJ)

XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with XXXX XXXXXXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

My account was opening on XX/XX/2019 where I was to receive a {$400.00} bonus for keeping {$15000.00} in the account for 60 days. In XX/XX/XXXX, several fraudulent transactions were conducted on my account where my balance fell below the {$15000.00} threshold. It was confirmed to me that the fraudulent transactions would not change me receiving my bonus. Now, over 60 days later, they are changing their tune and unsure if I will receive it or not. 

Customer service has been contacted over 20 times regarding this, and nobody can figure out how to do anything. I get transferred around repeatedly, and nobody can do anything. I wait on hold for promotions departments, fraud departments, supervisors, complaint departments, etc. Nobody has been able to resolve anything and they just transfer me to the next person who is as incapable as the last.

My funds have been held hostage now because I had to put a freeze on my account. I am unable to transfer them anywhere since I am waiting on the {$400.00} bonus to be applied. If I close before it is applies, I lose the bonus. I do not trust Citi with my funds because they have allowed fraud on my account, and they are not true to their word in providing a account opening bonus. 

In order to resolve this problem. I will need the bonus credited immediately and my checking and savings accounts closed with a check sent to me with the remaining account funds INCLUDING THE BONUS.
Consumer complaint received 2020-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

After speaking with Sallie Maes financial department for the second time, they still say that there is no way to lower my monthly payments. I spoke with a rep yesterday because my account was 60 some odd days past due. I explained that I was recently in two car accidents that were within a week of each other as well as being recently diagnosed with a chronic illness. The only option they would give me was to pay my past due amount of {$770.00} all within this month of XX/XX/XXXX. So on on both of my pay periods for this month ( XX/XX/XXXX and XX/XX/XXXX) i will be forced to pay Sallie Mae XXXX and XXXX respectively. There were no other options given to me at the time of my phone call on yesterday XX/XX/2020. I am currently only working part time and not by choice which I informed them of on yesterday XX/XX/2020
Consumer complaint received 2020-02-07
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX SYNCB/TJX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-07
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. (NJ)

I try submitting a dispute however Equifax is not allowing me to do so because I move to a new address. They are refusing to speak to me about my account, prior disputes and status of disputes. I also noticed they as recently as today reported incorrect information in regards to my student loan amount due and deducted 13 points from my credit score. I looked at my account balance in XXXX and it does not match the balance Equifax is reporting. Equifax is reporting an increase in balance of XXXX $ and a total balance of XXXX XXXX My Navient account is reporting {$18000.00} as a balance.
Consumer complaint received 2022-03-08
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 XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with cXXXX XXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

They call my phone every single day, sometime 2 and 3 times. I have answered in the past and told them they have the wrong number. They are asking for XXXX and I have not idea or not contact with anyone named XXXX. I had to get a Robo Killer just to man their phone calls. My next step is going to be an attorney. These people XXXX are ridiculous and this is definitely harassment! 

Dates : XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 

I can list everyday of the month, but I think you get my point. I Thank you, XXXX XXXX
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

I paid my loan off in XXXX. My auto bill pay sent 2 more payments for my mortgage incorrectly. I was reimbursed for the XXXX over payment. The XXXX payment has not been reimbursed and company will not help. I spoke with XXXX, XXXX, XXXX and XXXX. My last call was on XXXX and I spoke to XXXX. He said that there is nothing they can do and it takes 30 days to refund the over payment. He also said he would have XXXX call me the next day. I've never received a call nor have they helped to refund the money. Initially they said it took 6-10 days, then the next time I called it was 15 days and now it is XXXX. They also refuse to allow you to speak with a supervisor and when I called XXXX ( Supervisor ) extension it just rings and there is no chance to leave a message. They received the {$3200.00} on XX/XX/XXXX.
Consumer complaint received 2020-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I applied for a vehicle loan with Capital One Bank, I was pre-qualified, I advised them I was self employed and receive a monthly check from XXXX XXXX XXXX, I advised them the money get deposited in my account monthly, I was told to submit 3 months of bank statements showing the money is being deposited in my account, I did that, no where on Capital One application did it saw they would be looking at all my transactions and would base their decision on that. Capital one clearly said the needed to see the money being deposited. My other transactions has nothing to do with them. I was denied based on my other transactions.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I am a co-signer on this loan, I have a court ordered repayment plan dated XX/XX/2013. Payments have been made every month as the repayment plan required. They still attached my State Income Tax Refund. Due to their incompetent bookkeeping methods, they have pulled me into court for garnishment a half dozen times since and have lost every time as I can prove the payments. No garnishment can take place as long as all payments are timely made. We do not trust them. I live with the signer and she pays them with Money Orders because when ever they get the itch they will sweep your checking account. This also has happened. Then you don't have the funds to pay your bills.You have to go to court to even ask for your money back, you usually don't get it, you lose work time and who knows what else. They are harassing me. Punitive steps need to be taken. I have to take time off from work for all of this etc. I don't get paid for this time and inconvenience for their issues. The company is WWR working for XXXX XXXX.
Consumer complaint received 2020-02-05
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: JPMORGAN CHASE & CO. (IN)

Hi, My name is XXXX XXXX. I opened a Chase Freedom Unlimited Credit card recently. Before opening this card, I have an XXXX XXXX XXXX credit card. 

Before opening the Chase credit card, my credit score was XXXX ( by XXXX  ). Somehow, after opening the Chase credit card, my credit score dropped to XXXX. I was never late on a payment and never checked on my credit score. 

I have no idea why my credit score dropped so much. It seems absurd. 

Please email me at XXXX if you need more information. Thank you so much for your time and effort.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi there. On XX/XX/XXXX, someone one XXXX was trying to buy a product from me. They tried to XXXX me money but I never recieved it. They would take screenshots saying that the money has been delivered but on my end nothing. So then I recieved an email from XXXX stating that in order for the money to come into my account I must send {$400.00}. So I did in order for her money to come through. And once I sent it, they sent me back another message saying {$600.00} now. I believed in it because the email looked legit. So the total I gave them was {$1000.00}. It was stupid of me. And then they asked for another XXXX once they asked once more, I thought back this is ridiculous for just some cheap shoes I wanted to sell. So immediately I blocked the people, and called the bank. They said they would try to get it back but can not guarantee. I have a few information about the couple like their email that I sent through if that helps. Thank you
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

I am writing about a transaction of money ( {$4000.00} ) I recently made from my bank account to my wife 's Paypal account. On XX/XX/XXXX, I used Paypal to send my wife, {$4000.00} to help pay for our loved ones bills. She immediately noticed I had accidentally sent the money to pay her for goods and services instead of sending to friends and family, causing her a fee of {$110.00}. She researched how to reject the payment and saw in the Paypal help section that a payment can not be rejected, only refunded, so she chose the option to refund my {$4000.00} to me so I could send it the correct way. 

When Paypal tried to refund to me the {$4000.00} in her account, she had less than {$4000.00} because of the fee and so the attempt to refund of {$4000.00} caused her bank to charge her a fee of {$30.00} ( was seen as equivalent to writing a bad check ). XXXX spent close to two hours going between her credit union and with your customer service line trying to resolve this. Two different Paypal agents told her NOT to put more money in the account to cover the refund of {$4000.00}, but instead to allow this to overdraft again causing another {$30.00} charge. She was told by both agents that this was the only way she could get a full refund of the fee she was charged. 

I talked to two people at customer service, on the same day to try to resolve this and was eventually told that the fees could not be refunded because of the way the money was sent. I explained again that there was no exchange of services or goods and : the money was sent through the wrong selection of paying for goods and services. 
that XXXX was unable to reject the payment so I could send it the correct way. 
that XXXX tried to refund the payment per Paypals instructions. 
that Paypal attempted to take {$4000.00} from my wifes bank, but because the money wasnt there she incurred a {$30.00} fee. 
. the PayPal policy I read just before sending the money stated there was no fee for sending money to friends and family. Nowhere on my statement of sending money to XXXX were fee amounts shown prior to me hitting the send button. 
. that XXXX was told by Paypal customer service that she should allow her account to be overdrafted a second time and that this was the only way Paypal could refund all of the {$4000.00}, including fees. 

I explained that my payment summary stated that XXXX was getting {$4000.00}, not {$3800.00}. I was intending to send money from my bank to a family member yet my wife was charged {$110.00} and had no way to deny the incorrect payment. She is wondering why this company does not allow a person to deny a payment, especially when it is sent incorrectly to that person and causes her to pay a fee when she was not at fault. This format seems predatory to both of us and we hope you can resolve this quickly for us by refunding the fee of {$110.00} and {$30.00} for the overdraft charge.
Consumer complaint received 2023-08-03
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. (TX)

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX  on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-02-07
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. (FL)

I have had identity theft happen to me with a XXXX  secured card. I have told experian and XXXX  many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have been trying to resolve this issue since last year XX/XX/2018 .... payments have not been posted to my loan and also Floridas Hardest Hit was also not applied correctly. I have been trying to resolve this problem I have also tried loan modifications and they keep denying it. I have all documents which state the amounts are in correct and because of this I keep getting denied the modification its a domino effect. I just received another letter from them stating I applied for the modification late after they sent me to foreclosure. This is incredible I have been trying to modify and correct this problem. Way before it got this far all the notices I get from them are inconsistent I have all of my documents to prove it I have sent them proof and nothing gets done
Consumer complaint received 2020-08-03
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing this letter to address a major concern/issue I had with Chase. I was recently approved for the Chase XXXX XXXX and the Chase XXXX cards. Everything was just fine as I had received both cards and was starting to spend on the XXXX ( over {$5000.00} in the first month ), and was about to buy something with my XXXX card when I ran into an issue. The card was declined. At the moment I was confused, but I went ahead and logged into Chase only to find out that my card had been closed. At this point I was extremely confused as I only had the card for a week, how could it be closed? I immediately called Chase to inquire about the issue and find out why my card had been closed without my knowledge. I was then told but the first customer service rep that my card was closed after a 2nd review ( something I wasnt even aware happened ) and there was nothing I could do. Confused, I called back and the next agent said they would look into it further. When they came back to the phone they informed me that I was approved for the card but upon further review I was extended too much credit and they therefore had to close 1 of the 2 cards. I then asked why I was never informed of this and they said they called me once. First of all, Ive never heard of such a thing, I find it absolutely ridiculous that a company would approve someone for something and then completely renege on it and cancel the account. The logical approach would have been to call me, if I dont answer leave a voicemail ( which never happened ), and give me the option to move credit around to keep the card open. Instead, I get one call which I have no record of, and the account is closed end of story. On top of that, the reps are telling me I have no recourse and the decision is final. I have been a Chase customer for close to 7 years now and my credit score is over 800 and I have never missed a payment. When I asked what could be done about this Chase said I can re-apply for the card. Not only is this ridiculous, I already had to use a credit pull for this application, they want me to apply again and get my credit pulled another time. On top of that, what is stopping Chase from approving me for the card again and then just changing their mind like they just did. On top of that, while my account was approved and open, I referred my friend to get the card and he was approved, so I am entitled to the referral bonus of XXXX XXXX points which I havent gotten.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Nation Credit Systems is saying that I owe a debit of XXXX to XXXX XXXX XXXX I left that apartment with fly colors and decent history I also have my move out statement And they not remove the debit after several attempts