davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I complain about Equifax charging me 3 times. I had to cancel my card because they said didn't but the credit company said otherwise. Now they have dropped my score almost 100 points different from the other 2 credit bureaus. I have very good credit. I have tried to sign on/create a new account and it will not let me. Was denied an XXXX XXXX card with XXXX. I already have a XXXX account in great standing. Equifax told them I had defaulted on a previous XXXX  card which is wrong. If you try to call them, they put you on hold, let you sit there for the agents don't know what to do. You have no defence with this company.
Consumer complaint received 2018-07-15
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: BARCLAYS BANK DELAWARE (NY)

Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Brclysbankd XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
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. (MD)

I reached out to Navient in 2023 regarding my remaining private student loans. I received loan forgiveness for my federal student loans and had a borrowers defense application filed with Navient. However, was not included in the attorney general requirements for forgiveness for the private student loans even though the private student loan met all other criterias except one. And the loan was obtained from a for profit school that has successful lawsuits regarding defrauded students. I really need some help with getting clarification and guidance on how to deal with this private student loan. Also, my loan balance is literally 98 % interest which is also something of concern. I am also aware of Navient XXXX XXXX discharge application which I would like to be able to complete because I would qualify having all the other loans qualified under borrowers defense as I am a defrauded student for the same exact school. I hope someone can please help me. I do also apologize for the description as this is just a frustrating situation and I am explaining everything the best way I know how having been dealing with this for some time.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NC)

I am disputing the XXXX XXXX Inquiries on my report. XXXX XXXX XXXX pulled credit twice with out permission. This had happened after I got a XXXX XXXX card and that got pulled twice also. Experian and XXXX one Have dealt with the second inquriry. I am concerned with Fraud and someone trying to use my credit without my permission. 
XXXX id not give XXXX the permission to pull my credit nor do I have credit with them. I also did not give XXXX permission to pull my Credit, and I dont even know what the company is. The last XXXX had no right to pull my credit without permission. All of them came as a slew of inquiries after I had received my XXXX XXXX XXXX, except for XXXX. I was told this is a mortgage company. I am not looking for a house and can not afford XXXX. I have called the companies which have either told me to report it to the credit bureau, which I did. XXXX is working with me, How ever Experian told me to Call the companies again and write a dispute letter. 

XXXX details XXXX XXXX XXXX - XXXX and XXXX, XXXX and XX/XX/XXXX. XXXX. Neither was XXXX - XXXX XXXX. 
XX/XX/2022. Not XXXX XXXX. XX/XX/2022. Not authorized These need to be removed from my credit report. I did not authorize any of the above inquiries. Per XXXX suggestion and request I will be filing a police report tomorrow.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On the afternoon of XX/XX/XXXX, I found that my Citibank mobile APP showed that my checking account and savings account balance was XXXX yuan. I thought it was a problem with the app system. The balance is XXXX yuan. I remember that my account should have more than XXXX US dollars, but the bank has already closed. Because I can't speak XXXX and didn't call the customer service number, it was around XXXX in the morning. XXXX XXXX and XXXX dollars in a savings account of XXXX XXXX and XXXX dollars and after the account was closed, I went to the bank to find a staff member to call a customer service phone, but I was evasive and it has been 17 days and still no answer...
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (KY)

In my last letter dated XX/XX/18 I mailed proof that the debt was written off by the original creditor ( XXXX XXXX ) but never received a response about this claim from the creditor. However, the creditor is still attempting to collect, which is in violation of the FDCPA. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They did not even read my letter and only sent a form collection letter in return!! Unacceptable!! 

I am attaching all correspondence below.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. 
Experian To Whom It May Concern, I have reached out to your corporation on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 


The following accounts will be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa Without XXXX.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (IL)

Hello. My name is XXXX XXXX XXXX. XX/XX/2023 I mail in my internal revenue check to XXXX XXXX. I signed my check and mailed it to XXXX XXXX to deposit into my checking account XXXX XXXX received it. Once funds was added inside my account XXXX XXXX decided to debit out all funds and closed up my account and send funds back to IRS. XXXX XXXX  still have my check and continue to say they tried reaching out to irs with a hold harmless letter for IRS to send back to them in order to release the funds back to irs. There's several complaints about this bank online. I wish I never mail my check to XXXX XXXX They still have my check and trying to keep my money for themselves. Irs keep saying they haven't received anything from the bank. It's been 6 months now and XXXX XXXX  still have my check they are not trying hard to solve this problem. I ask multiple times to either mail me a check they refuse to. Irs ask me also why XXXX XXXX  can't just mail me a check because it doesn't make since for XXXX XXXX  to keep my check. This bank constantly make up excuses and lies. I'm asking for occ to help me get my funds returned back to irs or sent to me because XXXX XXXX is trying hard to keep my money. The IRS even mail me a letter to give to bank as proof the payment was issued to me for the amount. The bank still wouldn't use the letter as given.
Consumer complaint received 2022-08-26
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. (GA)

The listed account is fraudulent as was opened and charges were made without my consent and the the account balance is incorrect. 

XXXX XXXX XXXX {$1200.00} Acct # 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion just doesn't respect my rights as a consumer I sent the letter to them and they Received it on XX/XX/XXXX, Not only did they not fix the late payment which isn't suppose to be reporting on my account XXXX XXXX  + XXXX, they sent me a letter in response that said not specified, which didn't even make sense which tells me that they didn't even pay attention, because they have no proof that I gave them written instructions under the Fair Credit reporting act to report the late payment in the first place. The account should be updated as Paid AS AGREED, Show me documentation. Actually read the letter
Consumer complaint received 2022-10-24
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. (FL)

I purchase online from XXXX very frequently. On XXXX XX/XX/2022 they billed me twice. One was for a charge that I made ( XXXX $ ) and one that I did not make ( XXXX $ ). 

I had no record of that XXXX charge. I then logged into my XXXX acct and that charge is not listed. The other charge for that day is listed. 

I tried several times to speak to someone at XXXX, but never got past their recording. Or just being on hold for over 15 minutes. 

I then registered this with chase credit card. They investigated, but said they found no info on that charge and are therefore denying my request. I responded and challenged that, but they never responded again. 

I have my monthly balances due automatically drafted from my checking account and yesterday they drafted the full balance on that statement including that incorrect charge. 

I logged into my chase acct, and see that I was charged for that incorrect billing and no mention of it being disputed. 

Please intervene for me, thank you, XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX
Consumer complaint received 2022-03-19
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: Exeter Finance, LLC. (TN)

The reason for this complaint is to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Exeter FinancialCorp ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX  ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX  office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.
Consumer complaint received 2023-08-21
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express XXXX Cash ... .states my balance online as Current Balance $ XXXX Credit $ XXXX Balance $ XXXX made a payment on XXXX day of new biling period ... not reflected in outstanding balance-this balance includes as though not paid and adds fees ( late & interest ) not due until end of billing statement..I contacted them XXXX times online chat they disconnected me each time. I called them first and they gave me argument over how it should be stated. This is false advertising for other credit agencies -- until they reduce the amount by at least my payment and is not truth in lending making it appear as though I did not pay past due or previous month!
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive tried multiple times disputing these transactions that i did not authorize in which if you clearly go back on my bank statements this particular card in question that i called about the represenative told me that yes my card and my account was compromised but back to my statements these transactions in questions ive never used these merchants before and when i tried to dispute them with bank of america they denied them the dispute then they sent me a letter saying they will open my case up again and investigate it and my case will be open until XXXX of XXXX but i just received another letter saying again it was denied the first claim in question is for the amount of {$480.00} the claim number for this one is XXXX this has been an ongoing claim for a few months now even when they claim seem to have closed the claim and i couldnt understand why i had left it alone but they were the ones that decided to open up the dispute again just to deny it so thats when i decided thats not fair obviously they seen something was wrong but they just didnt want to give my money back ive received the latest denial letter XX/XX/XXXX for card ending in XXXX the next unauthorized charges i tried disputing was for XXXX XXXX purchas on XX/XX/XXXX $ XXXX a XXXX XXXX purchase on XX/XX/XXXX for - {$170.00} and another charge on XX/XX/XXXX for $ XXXX using card ending in XXXX which again i did not authorize.
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

Paid my car of back in XXXX and still did not receive the Title. This is a car purchased from Hyundai ( hyundai motor finance ) I have called over 20 times and always told that we are dealing with the issue at this point i dont know what to do anylonger as the registration has expired and the car is seating at the garage.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-08-29
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).