davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA (PA)

XX/XX/XXXX I attended XXXX XXXX School ( XXXX  ) XXXX, PA for an 18 month degree in XXXX XXXX. Later becoming XXXX XXXX College. 
Graduating in XX/XX/XXXX and the school closed in XX/XX/XXXX leaving me with no records and debt that was way more than they agreed to. As well as many empty promises such as employment placement. 

In XX/XX/XXXX I took a SUBSIDIZED CONSOLIDATION LOAN with AES for {$7100.00} as well as a UNSUB CONSOLIDATION LOAN {$10000.00} a $ XXXX loan will cost me {$34000.00} when its all said and done, for a school that no longer exists. 

I was looking to get some sort of relief from these loans, 5 % seems a bit much for a student loan. I have a great credit score, and I find it unreasonable that my rates are so high. 

Any help would be appreciated.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX18 my wife noticed a charge for {$1500.00} on our Chase credit card for a purchase from XXXX & XXXX XXXX. We had not placed the order, so we called Chase to inform them and cancel our cards. The purchase had been made on XX/XX/XXXX but did not post in our online account until XX/XX/XXXX, when my wife caught it. 

We still had possession of both credit cards, so whoever stole the information got it digitally. They also had my name and billing address, etc. 

Later, when Chase called to tell us we were going to be held liable for the charges ( we had assumed they'd cancelled the order when we filed the claim ) I found the order confirmation and shipping information in a junk email account I no longer use. 

The reason I no longer used the account was that on XX/XX/XXXX, my inbox immediately filled with hundreds and hundreds of junk email subscription confirmations. My phone and computer wouldn't stop *ding*ing with incoming junk mail. So I jettisoned the account, assuming it was some sort of prank. Turns out they used it to cover up the XXXX XXXX XXXX Order information that was ALSO sent to the inbox at the same time. 

I filed a dispute with Chase, explaining this to them. 
They just called to tell me that " the merchant provided sufficient evidence that the charges were not fraudulent. '' Because someone had signed for the shipment with my name. ie, accusing me of trying to defraud THEM by making a fraudulent fraud claim. 

Nuts. Context : I'm XXXX XXXX XXXX with a XXXX XXXX  clearance. If I commit fraud, I can no longer have my job. WHY WOULD I RISK MY ENTIRE CAREER FOR A CAMERA? 

I just found the shipping information for the package : The camera was NOT EVEN SHIPPED TO MY HOUSE, but to a XXXX in a different neighborhood. Someone signed for the delivery using my name, but I haven't been able to see the " signature '' they used. 

Chase, during their " investigation '' ostensibly saw that the shipping address was changed AFTER the order was made, somehow, and the camera was delivered to a XXXX XXXX. 

Yet they are trying to hold me liable here. 

We filed the fraud claim the day the charge posted. 
The camera was not even delivered, by anyone 's account, TO ME. 
My wife and I both still had PHYSICAL POSSESSION of our cards. 

And yet they are telling me I still owe them {$1500.00}.
Consumer complaint received 2018-08-15
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: Experian Information Solutions Inc. (NJ)

My credit report with experian shows an unauthorized enquiry from a company name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, md- XXXX on XX/XX/2018, i did not authorize them to pull my credit & would like Experian to delete this enquiry from them.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2021 I had found a company online to purchase a item I called them and someone texted me back and after added me on XXXX we discussed the item and how it works then I sent him XXXX dollars for an item to be shipped to me I used XXXX from my chase account. Come to find out the guy wont send me my item claiming my payment did not go through and he did not receive it. So I called my bank and they assured me my XXXX  payment went through after I called XXXX n confirmed the payment went through. After I called the guy back and still he insisted he did not received the payment the company I used was called XXXX  XXXX XXXX  and the XXXX XXXX user and as XXXX  XXXX. I tried to tell my bank and send them prove of messages I have n the prove of websites and that I was scammed but they deny to help or get my money back I called XXXX and they told me the same that I lost my money. Is there anyone that can help me?
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AL)

Dear Madam/Sirs : I have two credit cards with XXXX XXXX. I have been unable to pay due to reduction in income and no income over the summer as I contract with the school system. My issue is that they have started calling relatives in another state who are not on my credit cards or credit application at all. I am not sure how they got their phone number unless they researched my personal information to include relatives. I received a call from my uncle in another state - XXXX XXXX XXXX - who stated he had been receiving calls from XXXX XXXX. He deleted three weeks ' worth of calls, but I asked him to record them. HE IS NOT AN additional card holder but I had to check this on complaint in order to send this complaint online. As of now, XX/XX/XXXX, he has received a call on XX/XX/XXXX at XXXX XXXX at XXXX  and XXXX XXXX on XXXX. I feel this illegal activity on behalf of XXXX XXXX. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (TX)

My loan for a XXXX XXXX  XXXX XXXX with USBank was paid off via a wire transfer from my buyer when I sold the boat. I called and spoke to two different reps from USBank that instructed me on the proper steps necessary to have the wire sent to payoff my loan and to request the additional funds ( sales price exceeded the loan amount due ) to be sent to me. The day the wire was sent, I was told the overage could only be returned to the sender of the wire ( my buyer in this case ) even though I followed their instructions to a T. I have spent close to 10 hours on the phone trying to get my money back from USBank to no avail. They closed my loan, mailed me the title to the boat ( but not the trailer ), yet still cant tell me where the {$8200.00} they owe me is. My buyer is a banker and has not received a return wire and USBank confirms it has not been sent. The original loan that was paid off was {$93000.00} via a wire for {$100000.00} on XX/XX/XXXX. The difference is due to me ASAP. Not only should they pay a per diem for this time frame, I should Be compensated for the HOURS spent on the phone getting the run around from the bank. Absolutely unacceptable for n every regard. I even had two different managers hang up on me today after being on the phone for nearly 40 minutes each time! US bank has been a dismal company to deal with through this whole ordeal, and I will never use them to finance anything ever again. Learn from my mistakes, and find another bank.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team.

Due to a City owned Dam Breach.  The largest environmental lawsuit in Michigan.

Caused flooding, mold and contamination to several homes and properties.
Consumer complaint received 2018-08-15
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. (CA)

EXPERIAN IS ALLOWING AN AGENT OF A DEBT COLLECTOR /BUYER TO BECOME A SUBSCRIBER AND CREATE A COLLECTION ACCOUNT BY CHANGING THE DEBT AMOUNT BY XXXX DOLLAR AND CHANGING THE NAME ON THE ACCOUNT TO THE AGENTS NAME BECAUSE EXPERIAN HAD PREVIOUSLY DELETED THE DEBT COLLECTOR/DEBT BUYERS ACCOUNT FROM MY FILE. 
THE ACCOUNT REPORTING ON MY FILE IS XXXX XXXX, ACCT NO XXXX.THIS SAME DEBT WAS DELETED AS XXXX XXXX, ACCT NO. 
XXXX. 
THE ORIGINAL CREDITOR IS XXXX XXXX
Consumer complaint received 2018-08-15
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. (OH)

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and TransUnion Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Consumer complaint received 2022-07-25
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. (FL)

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Chase bank send an offer in the mail to get {$300.00} bonus money when i open a new checking account with direct deposit. bonus will be deposited within 10 days of direct deposit hitting the new account. After direct deposit hit, chase didn't deposit any {$300.00} into my account so i called the customer service line, i was told there in no incentive payment pending for me and they didn't see any coupon added to my new account when i opened it. i was told to contact the branch where i opened my account with. I contacted them and i was told the guy is with a client and will call me back. they took my name and number but no one called me back. the next day i went into the branch myself and spoke to XXXX the man who opened my account. he stated he didn't know what happen and he will have to get his supervisor to approved the bonus but his supervisor is gone for the day and will informed her the next day. i didn't hear from them again after couple of days, i called and spoke to XXXX and ask about my bonus, he said his supervisor will try and get it approved and now it's been almost 2 weeks and i haven't heard from them again and no money is deposited in my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over 9 years old and they are not mine and I do not have a XXXX account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX XXXX  and I have proof that I pay these accounts on time they need to comply
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TX)

In XX/XX/XXXX XXXX XXXX XXXX XXXX was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in XXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from Barclay Bank Delaware claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXX services, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that Barclays does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.
Consumer complaint received 2021-04-12
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. (IL)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I want to know why there is a preauthorized debit for the amount below when nothing was pre authorized. Also, effective immediately, Citizens bank must stop informing others that you are the bank of record as I believe the below is related to that. There is no pre authorized debit for this amount below. Where are you getting your information from and why was the below debited? Would be great if someone can provide customer service.
Consumer complaint received 2018-08-15
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. (PA)

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including Experian, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

In XXXX of 2018 I was solicited to borrow {$2600.00} from cash net, I borrowed it thinking it would be reported to the credit bureaus to improve my credit, but then found out that they do not report and that they are charging me 187 % interest rate
Consumer complaint received 2018-08-15
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. (PA)

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, Equifax and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX  XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
Consumer complaint received 2022-07-25
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)

I submitted a letter on XX/XX/XXXX2022 addressed to XXXX and TransUnion Credit Bureaus to have the unauthorized inquiries removed from my Credit File. I was a victim of Identity Theft and I never authorized these inquiries neither allowed anyone to inquire on my behalf. Of all the letters I have been sending to the Credit Bureaus, the Credit Bureaus have also kept ignoring my letters. I am disappointed by these actions done by the Credit Bureaus. These inquiries must be removed under the FCRA section 605b : XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Back when Navient was Salie Mae I had received a call about repaying my loans and since I wasn't working I wasn't able to pay them. I received a harassing call from the center saying I had to pay and they wouldn't get off the phone. I spoke to a man who was extremely aggressive and said that he would reach out to my mother, who was a guarantor. My mother ended up paying the lump sum, which was {$10000.00}. But this was so unprofessional.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (IL)

I applied for the Citi AAdvantage credit card on XX/XX/XXXX. About 2-3 weeks later, I received a letter from them asking for my pay stub to verify my income. I sent them my pay stub right away. Today ( XX/XX/XXXX ), I received another letter from them asking for my utility bill to verify my address. So, my questions are : ( 1 ) why can't they use the address on my pay stub to verify my address, and ( 2 ) why they didn't ask for both my pay stub and my utility bill last time? 
I called their customer service ( XXXX ), but their representative didn't give me a reasonable explanation. He also told me that my application will not be considered until they receive my utility bill. In addition, I have another credit card and checking accounts with Citi. Why can't they verify my address using my address information in their system? I don't know if they will ask for something else after I send my utility bill, and I don't know how much longer this application process is going to take ( it has been 4 weeks since I started ). So, I canceled my application. 
They have already pulled my credit ( and I have 800+ credit ). 
I think they are very inefficient, and they don't respect their client 's time.
Consumer complaint received 2018-08-14
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: CCS Financial Services, Inc. (NC)

On or around XX/XX/2015 XXXX XXXX reported a paid off account that was paid off. The account was with XXXX  and the payment was applied to another XXXX  account via the customer service agent for XXXX  error. Once the account was sent to collections I informed XXXX aka XXXX  of the error and was informed after an investigation that the account would be removed and that it should have never been reported. The account does show a XXXX  balance but is reporting as if I had anything to do with the error. The account needs to be removed ASAP. It is not valid account nor was it past due. I did not now nor did I ever make a payment to XXXX XXXX XXXX. The collect company has not been helpful in my efforts to fix error nor did we have a contract.