davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX  injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX  XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX  explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (TX)

In XXXX opened a Chime online bank account via promotion through XXXX for {$250.00} if opened and direct deposit made. These terms were met but now Chime is saying I am ineligible for bonus.
Consumer complaint received 2018-05-23
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 (MI)

On XX/XX/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX, I attempted to temporarily lift my Equifax credit freeze. When attempting to complete the process online, the form prompts me to use my already established myEquifax account. Upon logging in, I get an error " We are temporarily unable to complete this request. Please try again later. '' I have had this same error in the past and filed complaints about it. It is almost like Equifax has locked me out of my account and will not fix it. I demand access to my myEquifax account as I should have a right to temporarily lift my credit freeze on demand like with XXXX  and XXXX.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC. (KS)

I have tried to remedy the issue that Credit Word caused as Credit Work indicated to me that XXXX could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XX/XX/XXXX was on my report. Credit Word is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XX/XX/XXXX. I expect that the debt for XXXX placed by Credit World to be removed as all the requested documentation is included in the correspondence.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The credit bureaus are not investigating my dispute with XXXXXXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-07
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive noticed XXXX Inaccuracies on my credit report I do not recognize XXXX XXXX Bankruptcy & XXXX XXXX Bankruptcy
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is in relation to my previous complaint I filed against XXXX. I have attached a copy of my previous complaint confirmation as reference. XXXX responded to my complaint but FAILED to address the issue of my complaint. XXXX essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XX/XX/2021. I settled the XXXX account IN FULL on XX/XX/ 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. TransUnion seems to be the only bureau to report this error. I am not asking to have the whole XXXX account deleted, but I am asking to get the new 120 day late payment deleted.
Consumer complaint received 2022-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In reviewing my Credit report and score with XXXX i notices 35 unreported payment from XXXX to XXXX. If 35 % of my score is from reporting this has played a large part in my socres.
Consumer complaint received 2019-03-25
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. (GA)

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and XXXX - 60 days late reporting on XXXX XXXX XXXXXXXX XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) XXXX XXXX - 30 days late reporting on ( Equifax and XXXX ) XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) - 60 days late reporting on ( XXXX and Equifax )
Consumer complaint received 2022-03-07
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: JPMORGAN CHASE & CO. (IL)

My credit report shows a late payment from 2018. This is one item on my report negatively impacting my credit. As you can see from all my payments, Ive never had a late payment. I had one problem with this company when they had problems with their computer systems. I made the payment and recorded the confirmation. When they called me about the late payment, I gave them my confirmation number and they could not locate it. I always make on time payments with their automated phone system. This was an issue on their end and needs to be removed. 
Thank you.
Consumer complaint received 2022-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I took out a loan through XXXX XXXX  for a Private Student Loan in 2007 for {$10000.00}. My loan is now at {$20000.00}. My current interest rate is 8.8 %. This loan was taken out through a XXXX College with very little retention rate. I was XXXX XXXX XXXX when this loan was taken out with the only income listed on the " income section '' of the loan application is my financial aid listed as " other income. '' My Mother co-signed my loan. She is now deceased. 

Things I have requested from Navient ( because it advertises these options on their webpage ) : Income-driven repayment plan XXXX XXXX I call every month and they tell me all they can do is reduce my payment from {$200.00} to {$150.00}. 

I'm going into debt making a {$200.00} payment a month.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and  received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, XXXX, equiafax. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One stopped reporting my balance to the credit agencies for over a month. They last reported it at the highest balance on my card and then proceeded to never report it again thereby crashing my credit score. I've never paid late and pay in full every month. It appears to be almost deliberately hurting a customer by reporting their highest balance and then failing to report ever again.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/16 I spoke with 3 representatives of Capital One. I would like to point out that the initial person was understanding until I didnt understand and she started using condescending phrases like sweetheart. I spoke with an account supervisor and a sr. Account manager. The Sr. Account Manager XXXX ( Employee ID : XXXX ) was extremely condescending. She would cut me off and say things like Im not going to go back and forth with you, implying that I was in a hostile state. Which I was not. I didnt understand. My account didnt draft for the month of XXXX at no fault of my own PER the first representative I spoke with and my minimum payment due had increased for the month of XXXX 3x the normal amount because of this error. While speaking with the representative I made the payment for the XXXX payment and she agreed the late fee should be waived HOWEVER my XXXX payment would still be double what it is normally. The Sr. Manager stated I cancelled it but was not able to tell me why or how I cancelled it and again became extremely RUDE during the call. This is the WORSE customer service Ive ever experienced. My issue is still not resolved and I still dont know why, how or when the auto pay was cancelled.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (UT)

I received an unsolicited pre-paid mastercard from Brinks. I did not participate in any promotion. There is supposed to be no balance positive or negative on the card.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Nutshell : Bank of America doubled the fraud by allowing a XXXX company to claim it never received the returned, fraudulent laptop from me IN PERSON so my XXXX bank gave them money back, too, despite my protests and proof of the return. 

This was for a laptop purchased as new while living abroad in XXXX ; the company XXXX sold it as new, but it was actually refurbished, malware-laden, and did not have its XXXX XXXX license activated, which costs over {$800.00} through XXXX to put this fraud into perspective. 

The conman saleswoman even had the nerve to begin stalking me, calling me 6 times in a row one day begging me to explain to the bank not to reverse the entire purchase that would have included a 1 Tb hard disk drive. I assured her I only asked for the portion of the laptop to be returned in the initial claim, as I did not believe her XXXX   that I would receive a refund from her company in literally a month. I did not receive a refund for the junk, but my bank ultimately believed their new story that I never gave them the laptop and would not pay my claim, taking {$540.00} credited earlier OUT OF MY FEDERAL SOCIAL SECURITY DISABILITY PAYMENT I RELY ON TO SURVIVE IN XXXX. 

A supervisor lied to me that I would be sent a message allowing me to appeal the decision and submit additional proof through the bank 's interface. 

This never happened, so I have attached here the exact email sent by that conwoman confirming the return and partial refund on the day I gave her the laptop back in person, including its attachments of her business card, a copy of the original receipt with her checkmark, and an XXXX spreadsheet of upcoming bank credits that is the only proof of return and refund she would provide. 

Bank of America Claim information : Current status : Resolved - claim not paid Help for Resolved - claim not paid Claim ID : XXXX Claim amount : {$540.00} Initiation date : XX/XX/2018 This bank will become nothing more than my XXXX pass-through going forward for what it's done with this and a very clear dental claim of fraud of over {$2000.00} I had to take care of myself ( with the new practice owner months later ) because this bank dropped the ball on it, too. 

Bank of America are XXXX XXXX who believe themselves entitled to regularly lie during calls with clients. As a result, they have cost me over {$2500.00} in fraud supposedly covered in addition to making me cover the cost of all overseas calls with waits of over 30 minutes.