davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (MO)

US Bank had me online case about there website and app not working properly I explained everything what the problem was that my iPhone will not load the site properly on wifi and on XXXX and I told them that the error was still occurring after the update of US Banks banking app I told them they need to do a update or a server maintenance but when i called a week my case was closed and my problem was not resolved they told me to call XXXX and My Carrier but they say call the Software Developer ( US Bank ) to fix this issue and they refused to fix my problem with a update or server maintenance and as a consumer i want to speak to that department with phone number or a call back and the person who never tried to acknowledge my problem his name is XXXX XXXX
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (GA)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXX XXXX XXXX / XXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2020-08-01
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. (CA)

There is an inquiry from XXXX XXXX dated XX/XX/2019 that i did not authorize. I have written the bank and they have responded that they have rerquested experian remove the inquiry in question.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I paid all my credit cards down to a zero balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

In XX/XX/XXXX, I was wrongfully served charged for an account I never had. The company XXXX XXXX was opened in New Jersey. At this time I was living in California. I have attempted many times to speak to someone from the court where the judgement charged me XXXX in XX/XX/XXXX. This account has been affecting my life since XX/XX/XXXX. 

I would like to place a complaint against XXXX XXXX and XXXX XXXX XXXX. 

I would like my XXXX $ back. I would like all this information removed from the account.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (TX)

I received my credit report and found several inquiries that were not authorized by me. The inquiries are all from XXXX XXXX. I contacted XXXX XXXX and received the attached letter dated XX/XX/22 from XXXX XXXX wherein XXXX XXXX admits that the inquiries were not authorized by me and informs me that they have told the credit bureaus to delete them. XXXX and XXXX did delete them. Equifax did not delete them. I have attached a copy of the letter from XXXX XXXX to this complaint. In addition, I have filed a disputed on Equifax 's website regarding these inquiries. The Equifax dispute number is XXXX
Consumer complaint received 2020-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (AL)

I was tricked into this loan as the primary borrower just to make a sale & the car was stolen and repossessed in XXXX of 2017 with me making pmts I contacted customer service to file a claim and let them know but it was a towing company for Santander researching their repossession policy it clearly stated no pmt for 60days then the vehicle would be repossessed. They ignored my ID theft claim and police report issued to removed this from my credit due to falsifying a signature on the wrong line had me stuck in this loan with high interest rates. Please Remove from my credit. I have disputed this item on my credit numerous of times prior to the class action settlement it has become a financial burden of hinderence for me on getting other loans to better my credit score and history.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (TN)

Equifax is incorrectly reporting XXXX accounts for XXXX XXXX XXXX Equifax has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last XXXX  months for these XXXX XXXX XXXX XXXX. Equifax has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these XXXX XXXX XXXX XXXX accounts associated with the deleted chapter XXXX bankruptcy. 

Also, both XXXX XXXX XXXX accounts are nearing or have exceeded the XXXX  year deletion date of first delinquency.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (KS)

I have a Barclay 's credit card ( XXXX XXXX ). My account is set up for auto payment. ON two occasions, the auto pay has taken out more than the balance due. This happens when a credit ( like a return ) is refunded to my account which thus lowers the balance on the account. Barclays still pulls the amount on my statement rather than the actual balance. In this case here, the statement balance was {$9600.00}. The actual balance was {$8400.00}. So instead of just withdrawing that amount, they withdrew {$9600.00} leaving me with a credit balance of - {$1200.00}.

To resolve this problem, I have to call the company. They have to wait five days to make sure the payment clears. Then they are going to send me a physical check which I have to deposit. 

Essentially, this means they scam me out of my money for 20 + days ... ..of course they can make money on my money for free. As I said, this has happened once before. How many other people are they also doing this to? 

I have included the statement which shows all of this in detail.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (WI)

Credit limit was lowered without my knowledge on XX/XX/2020. I received no information that this was going to happen. Called the company and they stated that a letter was sent out on XX/XX/2020, which I did not receive because I was in the process of moving. Found out about the decrease from XXXX to XXXX on XX/XX/2020 due to my credit report. Called Chase because I wanted to know why. Chase reported limited spending, and low utilization and that they sent a letter out. I did not receive this information. I fully pay my credit card off every month, and use this card every month. They will not reinstate my original credit card line without a credit pull. 
I then asked multiple times what their definition of low spending and limited utilization was, which they could not answer despite being the ones to lower my credit limit. They could not tell me how to prevent this in the future. 
It is not right that they lower the credit limit without being able to tell me exactly how I could have prevented this, and not reaching out to me through at least an email. I even changed my address recently and they shouldve sent more notices.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports. 

FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

The company will not allow web site access to check balance and transactions until new e-disclosure agreement is accepted.

The company also writes " You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. '' '' In part of agreement the company indicates it may charge for paper copies of tax forms.

To disagree with that or other portions of the agreement the customer must reject the entire agreement and be unable to access balance and transactions electronically.

Denying consumers electronic access in these ways is unacceptable in light of rampant data theft that affects all consumers, who must be able to easily review accounts.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX and XXXX of XXXX, Virginia have come for the debt several times. XXXX and XXXX took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from XXXX and XXXX until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by Capital One. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with Capital One has been removed from my credit report. 
My name is XXXX XXXX XXXX XXXX time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NH)

I made payments to and paid off a loan with XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX XXXX XXXX - XX/XX/XXXX, {$16000.00} ). XXXX XXXX claimed they reported these payments and loan to Experian. XXXX XXXX also contacted Experian and claimed it is an error on Experian 's end. Experian is still not showing this loan on my credit report. I have contacted Experian several times ( chat, telephone, online complaint ) but loan is still not showing on my credit report. This loan greatly affects my credit report which is needed to apply for employment, apartments, loans, etc., and has caused severe and detrimental harm to me.
Consumer complaint received 2021-07-19
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. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I have been waiting over 6 months for my refund from Mohela. I called them on XX/XX/XXXX to request a refund for payments made during the payment pause, they told me it would take 45-60 days. I called back after 60 days and they told me that they resubmitted my request on XX/XX/XXXX and that it would be another 45-60 days. Ive called back several times and no one can give me an answer why I still havent received my refund. Now, within the past month, my account has increased because its showing that interest has accrued.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

between the dates of XX/XX/XXXX and XX/XX/XXXX I had my wallet stolen and my Bank of America XXXX card was used fraudulently for multiple transactions. During this time period I was incarcerated and was not the one who used my card. The transactions are as follows : XXXX XXXX -XXXX : {$24.00} XXXX XXXX- XXXX : {$4.00} XXXX XXXX - XXXX XXXX Market : {$8.00} XXXX XXXX - Bank of America XXXX {$900.00} XXXX XXXX - TXXXX : {$100.00} XXXX XXXX - XXXX XXXX : {$23.00} XXXX XXXX - XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX : {$2.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} XXXX XXXX - Bank of America XXXX {$980.00} XXXX XXXX - Bank of America XXXX {$340.00} Spet. XXXX - XXXX : {$5.00} XXXX XXXX - XXXX XXXX XXXX : {$8.00} XXXX XXXX - XXXX : {$5.00} XXXX XXXX - XXXX : {$2.00} All of these transactions have been reported and denied by Bank of America XXXX XXXX XXXX. I sent in documentation proving i was incarcerated during this time. The documentation showed my release date of XX/XX/XXXX and that I had served XXXX  days in custody. After multiple filings for reconsideration the bank continuse to deny my claim.
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (CA)

There is a {$1400.00} credit on Account # XXXX XXXX XXXX / Lendkey has stated that the overpayment refund will be issued to the company the aforementioned loan was refinanced through ( XXXX ), but legally the overpayment can, and should, be refunded to the account holder, XXXX XXXX XXXX. I financed, and am financially responsible, for the entire amount that was paid to XXXX XXXX / Lendkey ; therefore, the overpayment should be refunded to me.
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I am being sued by company name XXXX XXXX XXXX and they are going to start garnishing my wages. I have contacted them multiple times advising this is not my debt and I was a victim of identity theft, however they have not done anything. I called them on XX/XX/XXXX trying to resolve this matter but nobody helped, then called on XX/XX/XXXX and I was told to call back on XX/XX/XXXX. During my conversation on XX/XX/XXXX lady told me that she can't help me and they are going to garnish my wages. I tried to explain her that this not my debt and I am a victim of identity theft but she didn't care to hear me out. I need to make sure someone from your agency contacts them and have them stop this process.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (RI)

My Name is XXXX XXXX XXXX XXXX XXXX XXXX RI I am a retired XXXX and the co-applicant my wife XXXX is a XXXX XXXX XXXX XXXX XXXX  XXXX. 

We were rate searching to refi our mortgage due to rates falling and we were contacted by rocket mortgage, a division of quicken loans. We were assigned a specialist, Mr XXXX XXXX whom called me 2-3 times a day until we struck a deal and I authorized a charge to my charge card. He said that we would close in 30 days which seemed fine but not critical. I waited more then that time and became curious so i tried to call XXXX back only to get voice mail over 10 times with no call backs, of course. I tried to follow their requests on line and could not. So I tried calling XXXX again and this time he had a message that if u were in process to call processing which I did. After 2 hours I got connected and they said the mortgage co could not verify XXXX 's employment, ( she has been there 37 yrs ) so I out XXXX on the phone and she explained the Bank uses my work as verifications and informed them how to get it. A week later I get another request on line for the same info and more so I contact processing, wait on line over an hour then use the request for a cal l back. After no call for 3 hours I called client services again was place on hold and waited 90 minutes only to get dis-connected. 7 hours later I received a call back from Ms XXXX XXXX, whom was very nice. She told me the company was overwhelmed and that no-one had touched my file for weeks. She did send me a form to fax back which I did at once. XXXX agreed that the company should not still be marketing new customers and making promises that they know they cant keep. XXXX nicely gave me XXXX 's Directors phone number whom I called to explain the terrible service. His name is XXXX XXXX, phone # XXXX Being in the XXXX  I know call backs and communications are critical to business. Rocket markets itself through XXXX XXXX  as number one in  processing and service. I find all of this unacceptable and absurd.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (AZ)

On or about XX/XX/2019, I paid the outstanding balance on my Chase credit card in order to have a zero balance and close the account. Chase accepted the payoff check and even sent me a refund because they said I overpaid. Chase did not send me any new credit cards. I have not used the Chase credit card for at least a year. Chase continued to send me billing statements for charges/services I was not using and did not request. I sent them a payment today XX/XX/2019 under protest in order to stop their system from accruing more illegal interest and charges.