davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX by car that was financed by Captial One was totaled, my insurance paid majority of the balance, and rest was covered by GAP insurance I have purchased through my dealership. On XX/XX/XXXX Capital One withdraw another monthly payment. I have called them back and requested this payment to be credited to me due to the fact that car is totaled and insurances are covering by balance. Capital One returned this payment on the same day. I have provided them with my GAP insurance information and contacted GAP insurance to expedite payment. In XX/XX/XXXX I have received a letter form Capital One stating that there is still an unpaid balance due. I called them on the same date and learned that GAP have not issued full payment just partial. I have contacted GAP and got conformation that they will issue a payment ( delay was caused by a dealership ). I have not heard form Capital One since then, until l in XX/XX/XXXX they reported my account as negative. I have contacted the several time trying to reason with them, offered to make a payment and asked then to remove negative reporting since they have willingly returned my payment in XX/XX/XXXX. They were not helpful and not honest stating that I broke contract and stopped my payments without them agreeing to it. 

As a consumer we are not protected and at the full mercy of this companies. i am asking you to investigate and correct this situation. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX   XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX   XXXX {$25000.00} XXXX {$68.00} XXXX   XXXX {$2000.00} DEPTEDXXXX   XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$6000.00}
Consumer complaint received 2022-07-22
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. (CA)

Citibank call center is so useless that I dont see another option but to use cfpb platform to fix issues. On XXXX XXXX XXXX XXXX has sent a balance transfer check to citi bank valued at {$7800.00}. The check is not reflecting in my account. As usual, citibank phone operators they do not know nothing about it, those operators never know anything, all they know is to give misleading information regarding disputes. XXXX XXXX XXXX has confirmed me they have sent the check to XXXX XXXX XXXX XXXX Arizona XXXX I think citi bank received the check but deliberately not applying the check to my account so you can charge me interest?
Consumer complaint received 2020-07-27
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$25000.00} XXXX {$68.00} XXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX {$6000.00}
Consumer complaint received 2019-11-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (MI)

XXXX XXXX-SS was garnished for approximately {$420.00} for a student loan they claimed I took out wit an electric signature in XXXX. I had never received a bill until XXXX. That was 13 tears after I supposedly took out the loan. I filed bankruptcy in XXXX and this loan DID NOT show up on outstanding bills I owed. I began corresponding with them in writing and verbally to no avail. Im XXXX years old on a fixed income. I just went through XXXX XXXX XXXX & treatment & do not need the additional stress of my finances being taken away. I spoke with a man named XXXX & told him they could not take my SS. He said, Yes we can. We are the Federal Government and we can do anything we want. I felt hopeless and discouraged. No company or individual has this right over a consumer. What can I do. Thank you in advance for your help. My loan group number with XXXX is : XXXX. My next payment is due XXXX for {$230.00}. XXXX is also taking $ XXXXmonth for this loan to pay Ascendium, creditor # XXXX. XXXX ID # XXXX. This situation is unbelievable.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MT)

Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.
Consumer complaint received 2022-02-17
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: LoanCare, LLC (CA)

Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that LoanCare marked my account as 30 days late. I called and spoke with a representative that informed me that LoanCare had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX  and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called LoanCares customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with LoanCares terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several LoanCare customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to LoanCares reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX XXXX has 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
Consumer complaint received 2022-02-17
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. (CO)

XXXX XXXX is incorrectly reporting on my Equifax credit report as 90 days late in XXXX and XX/XX/XXXX. My XXXX XXXX loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX  wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXX returned my XX/XX/XXXX payment, I called XXXX XXXX immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from XXXX XXXX  web site, XXXX XXXX  response to my XXXX  complaint, my XXXX XXXX XXXX completed XXXX XXXX payments, XXXX XXXX hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an Equifax report of XXXX XXXX reporting. I am including all of this just in case XXXX XXXX tries to report me any other month late that is incorrect. If you look at XXXX XXXX response on the XXXX  complaint, XXXX XXXX assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.
Consumer complaint received 2020-07-27
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2018-10-17
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: EQUIFAX, INC. (MN)

" " '' I have disputed this charge off on this XXXX 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 2022-06-16
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 XXXX  Account # XXXX, XXXX, XXXX XXXX has 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
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern Recovery Services, Inc. (TX)

Hi, To whom this may concern, I have attempted to contact Stern Recovery Services on numerous attempts to not only validate my debt but, to also provide proof of my debt and to confirm the amount of the debt owed. I called the company on XX/XX/2022, I spoke with a representative that was not pleasant, that failed to provide me with proof of my debt after asking numerous times and also provided me with the false amount. 

According to my Credit Report, they are attempting to collect {$140.00} but, when I called the representative stated {$310.00}. I asked the representative to please provide proof of where that amount came from and why but, they stated they could not provide proof and that I would have to call back the next business day to speak to manager. I informed them that in order for me to pay the debt that they are claiming that I owe, I have the right to validate debt according to the Fair Debt Collection Practices Act. I called again on XX/XX/2022 to ask for the companies email and/or if they can send me proof of the debt, the representative stated that they couldn't provide proof but, could only discuss the amount that I owe. I asked for the company email and address but, the representative failed to provide that as well. I am not obligated to pay any debt that can not be proven that it belongs to me as well as, providing me with the incorrect amount than what was sent to the collection agency.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (IL)

XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Consumer complaint received 2022-02-17
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-07-27
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX XXXXXXXX {$5500.00} XXXX {$10000.00}
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX GXXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by Transunion. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

Merchants Credit Guide - Opened XX/XX/2018 XXXX XXXX XXXX {$580.00} I recently received a call from this debt collector. They asked me if I'd like to make a payment on this. I told her i havent ever been to an XXXX Hospital to the best of my knowledge and she laughed and said " okay '' and hung up. 1st.. this was inappropriate. 2ns she didnt even give me a chance to ask any question about the charges. Im positive this isnt for me. It just recently hit my credit and i havent been to a hospital in i dont even know how long. I would like proof of this charge and to have someone explain whats going on. Or how they allowed someone else to use my identification to get medical treatment. I feel like i could have got the information i needed from the debt collector to try and help clear this up but like i said.. they laughed and hung up instead of trying to explain what the charges were for and where they came from. Please remove this from my credit ASAP.
Consumer complaint received 2020-07-27
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: JPMORGAN CHASE & CO. (OH)

I have been trying to get my refund approved from Chase BankXXXX XXXX XXXX XXXX supported by Chase for the last 3-4 months. The airline keeps me redirecting to Chase and Chase does the same thing. My money ( points ) are being held hostage despite the fact that both US DOT and XXXX XXXX XXXX mentioning that customers are eligible for a full refund when a flight is canceled by the airline themselves. I even got an email from XXXX XXXX, XXXX " refund of your ticket to the original form of payment which can be obtained by contacting XXXX  Call Center at XXXX '' ). Obviously, they do not respond when I try and reach out to them. Please help me.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO. (FL)

I have a credit card that I applied for with Chase bank 10 years ago ... At the time I was in my XXXX 's not really understanding the importance of good credit. I am now XXXX years old and decided that I want to pay off all of my debts. I do not want to owe anyone or any bank any money ... My credit score is currently XXXX and I am working hard to bring my score up even higher and possibly re-apply for a chase credit card. I have been trying to contact Chase bank about this 10 year account to pay it off but they lead me to a company that no longer has this account. They are telling me that the account is lost in files. and they are unable to accept a payment from me. 

( I DO NOT REMEMBER THE COMPANY NAME BUT I DO HAVE THERE NUMBER ) XXXX LAST 4 NUMBERS OF THIS CARD IS # XXXX So I decided to call Chase back to see if they are able to accept this payment of {$500.00} dollars because I just want to pay off my pass debt with Chase bank.. They are telling me that they are unable to accept a payment from me because this account is no longer with Chase Bank ... 

This account is hurting me financially and mentally because its being reported as a collection once Chase pulls up my name in there system. I am no longer in my XXXX and I dont deserve to be looked at as some one who has an account that is in collections if Im actually really trying my best to pay off my debt ... I also have three accounts with Chase Bank. Two business accounts and one personal account that brings in cash flow so I feel like they shouldn't treat me like this ... 

I spoke to a representative, a supervisor, a manger, dispute office and no one is able to help me!!! 

I tried to get Chase Bank corporate phone number from the manger on duty but he was unable to give me that information ... I am completely lost and dont know what else to do about this situation