davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (AR)

My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

The rules of my check account require that I have a {$5000.00} balance in an attached savings account to avoid a checking fee of $ XXXX/month. For a reason I can't recall, I took some money out of the account causing a drop of about {$200.00} below the requirement. After a couple of months I realized the error and replaced enough money to go above $ 5k by a small amount. Because I did this in the middle of the term, another {$15.00} fee was assessed, dropping me below $ 5k slightly. I was not aware of this, and I was assessed {$15.00} for a few months more. After talking with my branch manager I got two fees returned ( {$30.00} ) but a few days later  another fee was assessed. So I have been charged over {$100.00} in service fees at this point. I do not believe I have received {$100.00} in service, rather, this kind of process benefits the bank only. I realize that if I had made it a habit of looking at my monthly statement I would have discovered this sooner, but it is my intent to leave the attached savings alone. I don't know why I took funds from that account, but my complaint is that the band should notify a customer who is being charged a " fee '' in this situation. They have the ability to personalize any email and postal mail they wish in their advertising. This is a cash flow opportunity, not a service which benefits me.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I have requested debt. validation for multiple accounts on XX/XX/21 and XX/XX/21 from CMRE Financial Services , Inc ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for accounts listed on my credit file. This company has failed to validate my dept. Instead of XXXX XXXX XXXX validating my dept., they sent my confidential medical records/procedures in response without a prior written release which I know to be a direct violation of my rights under HIPPA. I have never signed a HIPPA form authorizing them to have access to this information.
Consumer complaint received 2022-02-17
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: AMERICAN EXPRESS COMPANY (TX)

I have been a card member for American Express since 2018 and was approved for XXXX credit limit. Out the blue they dropped me to a {$1100.00} credit limit but i wasnt provided an adverse notice about it. I received an email this morning from American Express about updating my income which i did and i submitted request via chat to increase my credit limit and i was denied. Without an adverse notice provided again. When i downloaded the results from my request i received a blank page. 

When i called and spoke with a representative she indicated that i was denied due to having other accounts with balances? But my balances on my other accounts were below 30-35 % When you are denied credit limit increase you are suppose to receive an adverse notice that explains the detailed explanation as to why the Decision was made and American Express didnt do that
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXXXXXX XXXX : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Consumer complaint received 2018-05-01
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. (AL)

I have credit inquiries on my transunion credit report that was not initiated by myself. I did some digging and found out that my XXXX yr old son tried opening accounts to get gaming systems and smartphones. He expressed that the sites stated that he was not old enough to open accounts himself and thats when he decided to use my information, some of which he explained to me was made up because he didn't know. so there's no way they could've actually verified the information.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I filed a claim with Chase Bank ( Claim ID # XXXX ), in the amount of {$840.00}, which was charged to my checking account ending in XXXX, by merchant XXXX on XX/XX/XXXX. 

The claim involved a suspension lamp purchased from XXXX. The product was XXXX XXXX merchandise previously purchased, opened, and returned by another customer. 

The lamp I received on XX/XX/XXXX, was broken and defective. I called XXXX to arrange a return, and was promised, on two separate occasions, that return instructions would be sent to my e-mail. 

The instructions were never sent, so Chase was notified and a claim was submitted. On XX/XX/XXXX, Chase sided with the merchant and closed the investigation. 

According to several claims supervisors and representatives, XXXX DID NOT provide evidence that return instructions were sent to me as promised. The documentation XXXX provided to Chase DID NOT address my complaint, was unrelated to my circumstance, and DID NOT provide proof of non-liability, according a Chase supervisor I spoke with on XX/XX/XXXX. 

Chases decision to close this valid fraud claim in the merchants favor is unacceptable. I will hold XXXX financially liable for damages should this issue not be resolved justly ( in my favor ) and my account credited back {$840.00}.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I am complaining because my loan payment has increased immensly. I am repaying my loan on a repayment plan and i am not informed that i am paying interest only. Navient is not applying my payments toward principal at all. I owe over 43,000.00 in principal and i am not making a dent. I have been paying this loan back consecutively for two years and nothing has been applied toward principal. I called but no call back. It doesnt make sense how my initial loan payment was half that amount and now ten years later after i graduated it is twice as much. I deferred for years due to financial hardship and didnt pay interest but i should still have money put toward principal. This is not right.
Consumer complaint received 2023-03-14
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: Self Financial Inc. (PA)

I was never 30days late ( SELF ) can not prove I was ever 30 days late ( SELF ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The credit report ( attached ) shows that the information being reported by ( SELF ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( SELF ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( SELF ) account does not match between all three credit reporting agencies the payment status for the ( SELF ) account does not match between all three credit reporting agencies the date of last active for the ( SELF ) account does not match between all three credit reporting agencies the payment history for the ( SELF ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( SELF ) illegally shuffled dates around
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-16
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. (AP)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
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. (TX)

showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
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. (AP)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 i recieved a notice on my XXXX app for a inquiry for XXXX XXXX XXXX XXXX On XX/XX/2022 I called XXXX BK which is who requested the inquiry at XXXX with my concerns. They suggested that i go get a police report to make a fraud report. But also informed me that no account was approved. I went to police station to make claim. And the police informed me that if no account has been open, then theres no crime of fraud. On the credit report it shows the address used and it was XXXX XXXX XXXX XXXX Illinois. I further reserched that address and it doesnt even exist. Theres XXXX and it jumps to XXXX for some odd reason. But I never lived there. A few weeks later i recieve another alert for US bank on XX/XX/XXXX in which i didnt do.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I called Discover about a ghost transaction that was not showing up on my credit card statement as Pending or Posted, but was showing a transaction on Discover 's end. The amount was for {$80.00} and so I spoke to XXXX from Utah Call Center at approximately XXXX on XXXX and I explained what happened after I got a declination from Discover. I informed her, that while I do keep track of my charges, I was not going to keep an XXXX spreadsheet of miscellaneous and unplanned charges due to the fact that it was a credit card and not a debit card. I have a Pdf for the CFPB if there is a way to upload the printed and scanned documents to show the discrepancies in the account balances. It was not an XXXX issue, as they will not ship the items until the billing was approved by a credit or debit instrument- it was and is Discover 's fault for the declination of {$61.00}, because as I said, I was not going to go through both systems to see which transactions were listed on each account when I know that XXXX will not ship an item unless the item was paid for using either method.
Consumer complaint received 2020-07-27
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: Self Financial Inc. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. (TX)

showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-04
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (TN)

During an insurance issue, I was informed by customer service to pay my regular payment. Which was around {$1200.00}. Instead of the additional insurance money they were requesting for escrow. I made my regular payment calling into customer service twice. It was then sent to collections that I was not making my payment. I called customer service back and escalated it and was then told whatever they had told me was incorrect and I needed to pay the additional money or I was considered delinquent. I paid in full after receiving this information and asked to correct the error and fix my now damaged credit score. I had to speak with someone else. They said it should correct in 30 days since the payment was made in full. It did not correct. The freedom mortgage company later determined they made no error with this information and would not retract the delinquent notice and letter to collection. Therefore leaving my credit severely tarnished. Yet if customer service communicated this from the beginning I would have paid it all just as I have been making my payments on time since purchasing.
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp. (FL)

I recently purchase a XX/XX/XXXX XXXX XXXX XXXX XXXX from XXXX auto sales XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received ZERO paperwork when I called them to get the paperwork, they refused to give me the paperwork. We havent received any disclosure. They ( dealer ) also told the finance company I put {$4500.00} dollars down when I only put {$3000.00} dollars down. Also after driving the vehicle for 8 days it will not crank up and I had a mechanic to look at it and the mechanic says it need injectors {$2500.00} in parts and labor.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CARCO Group, Inc. (TX)

I was not notified of adverse action with company to have a chance to dispute the information. So I could get the job. This companies agents are rude. The never sent any information from XXXX to dispute the information.,
Consumer complaint received 2022-02-16
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. (NC)

Experian removed my XXXX account sometime between XX/XX/XXXX and XX/XX/XXXX, so my credit score went from XXXX to nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called Experian. They said to call XXXX to check the information on my XXXX account and report the account to Experian. Then, Experian will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why Experian is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my Experian credit report to verify that my XXXX account has been readded. My online Experian account at https : //usa.experian.com/ will not let me refresh my credit report without paying Experian {$24.00} a month. I called Experian and they said they would mail me my credit report. Since then, I still have not received my credit report. Why could they not just refresh my online Experian account 's credit report? I know Experian has the ability to instantly refresh my online Experian account credit report because they literally charge {$24.00} a month to do so. Instead, they are making me wait who knows how long for the credit report to come in the mail. Wait actually they refreshed my online Experian account credit report on XX/XX/XXXX, but it is still missing my XXXX account. They did not fix anything. Now they will just respond to this complaint with a generic copy and paste response telling me to contact Experian by phone to resolve this issue.
Consumer complaint received 2022-07-22
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: AMERICAN EXPRESS COMPANY (FL)

XXXX fraudulently over-billed me by XXXX EUR. They admitted this. They promised a refund. They did not provide the refund. I notified Amex and provided them proof TWICE, but they refused to process the dispute.