davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I open this account with credit acceptance in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with credit acceptance and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Consumer complaint received 2019-01-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. 
Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. 
Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.
Consumer complaint received 2019-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (WA)

I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them.
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (WA)

Lending Point offered me a loan back in XX/XX/2018. I process was somewhat simple and I needed the funds as I am a single mom, XXXX XXXX XXXX, and while I make a good living, sometimes I can not budget properly for long lengths of time without a paycheck, so this was a nice cushion so I didn't panci, although the interest is high. They expressed they are an online company only, and they do not send paper statements, and that everything is handled online, and I can make my payment online and access my statements. I have NEVER been able to access my account online, and they have been telling me for months that they are getting their website fixed and it should only be another two weeks. Well, it has now been a year. I usually send my payment by mail, which they will accept, but you have to mail it about two weeks before the due date to make it in time. For about six months they sent me a payment reminder by email, but never told me my account balance, and although I have asked many times I was never given my account statements. I have made numerous calls to this company and have spoken to numerous people. Then around XX/XX/XXXX they stopped even sending an email reminder. I have asked that a Manager calls me back and they never do. I have been directed to several " account specialists '' that are supposed to head up my account but it always gets transferred to someone else. I am very upset to be treated this way and I have no idea what they are doing with my account, late charges ( I always try to pay all my bills on time! ) or varying interest rates. I have most if not all of the emails, and hopefully they have recorded the phone calls, but I can't depend on them. I am also VERY upset that I was lied to, if indeed this is an online company ONLY, they should have a working website, and a way for the consumer to check their account statements. 
My interest is compounded inaccurately and they prey on people and make it extremely difficult to make payments on time on purpose so they can rack up interest rates ; it is predatory and it is WRONG!!!!!!!
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with Capital one on 2 accounts a fixed monthly payment and Capital one has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue Capital one for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I went to buy a washer and dryer and this store they offered me 0 interest in 12 months to pay i made all my payments even made More than what the minimum payment was and now they are charging me over {$1000.00} dollars in fees that I have no clue why
Consumer complaint received 2022-08-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. They assumed this role without permission not only that you did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, unfair, and was partial. They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place. What I am requesting is that you guys delete all of these accounts off my report. Thank you!
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-08-16
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: JPMORGAN CHASE & CO. (GA)

I call XXXX XXXX XXXX today about this Business type Bank Credit Cards I didn't apply for I don't bank with XXXX XXXX never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this JPMCB Card Services to someone apply for some type Business Bank Credit Cards I don't know this bank
Consumer complaint received 2023-05-04
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account XXXX XXXX XXXX  Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX FUNDING Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2022 I got scammed from someone claiming to be an XXXX employee. I needed help getting a refund and he said he can send it through Zelle. He ended up saying to send him {$350.00} and he will pay everything back. Soon after I paid him he said he will call right back and ended up blocking me
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

On XXXX XXXX XXXX I reached my final count of 120 qualifying payments that needed certification. My PLSF form states that I've been with the same employer since XX/XX/XXXXXXXX MOHELA has failed to count XX/XX/XXXXXXXX XXXX XXXX. I've called MOHELA several times to fix the issue and update my count so that my loans can get forgiven under PSLF. MOHELA has failed to give me a proper resolution of certifying all of my counts. MOHELA representatives give me no information on their process because this has been on ongoing thing with MOHELA. I've met all requirements for PLSF and MOHELA has failed me as a consumer. I've pointed out their error and their resolution is to wait it out. How is this acceptable? 
XXXX  XXXX XXXXXXXX Unsubsidized XX/XX/XXXX PSLF, TEPSLF Employment Not Certified View Details XXXX XXXX XXXXXXXX Unsubsidized XXXX PSLF, TEPSLF Employment Not Certified This payments should of been counted. Again my final PSLF states I've been with the same employer since XXXX There are no gaps in employments. Please assist in processing my form and finally be done with MOHELA.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion on most recently XX/XX/XXXX and XXXX. I was told that I could go their website to remove the alert which on 5 occassions I am given an erroe code that it cant process my request at this time. 
I have called on 5 occasions as well and was told that the representative cant remove the alert due to an computer error.

I have never instructed Transunion to place an alert on my credit file!

This has caused me two incidences where I was denied credit because my cerdit file could not be accessed!

I was told to send a letter with a copy of license, social security and proof of current address which I have done on two occassions and have attached here as proof
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (UT)

ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated (AL)

I have been trying to find out how to get my account number and my routing number to my account so that I can have money direct deposited into my account and don't know my bank name, I can not find any of that information anywhere and I need it to receive a direct deposit
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I made a request to transfer funds ( {$1000.00} ) to an external account. Chase deducted the money from our checking account. Later that same day, I received a Secure Message within my account notifying me Chase could not complete the transfer. Chase never returned the {$1000.00} to our account. I have sent multiple secure messages, spoken to 5 different Chase agents at several different departments. Two acknowledged that the transfer didn't go through and transferred me to another department whose representative stated that the transfer did go through and that he didn't have access to any information ( i.e., the Secure Message from Chase ) to the contrary. He had no other suggestions and insisted it did go through. The amount never went through. I called XXXX XXXX to confirm XXXX XXXX never received an incoming or pending transfer notice and none shows in my online account at XXXX XXXX. Chase has not returned our {$1000.00} and it has been 6 days now with no end in sight to this problem. XXXX XXXX has no record of the incoming transfer because, as Chase acknowledged in one area of their website ( but not in the account itself ), it didn't go through. So, to reiterate, even though I have written proof from Chase in my account Secure Messages confirming this, no one at Chase will acknowledge it or help us get our money back from Chase. Chase has our money and won't return it to the Chase account it belongs in.
Consumer complaint received 2019-01-30
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. (OK)

XXXX  website has been broken for years and no one seems to fix it no matter how many reports one makes. This time they do not allow me to view the online dispute or corrected names of fraud that's on my report! They provided a contact number, '' We are sorry we can not correct this now you need to callXXXX ( XXXX ) XXXX-XXXX  '' and when dialing it it is at for memberships only that tells me how I could order services rather than repair my problems. 
email " Dear XXXX  XXXX, XXXX  has completed your dispute for Confirmation Number XXXX. 
View Now! You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 30 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access before XX/XX/2019. Thank you for giving XXXX  the opportunity to serve you! " Lastly, then it shows that the site can not identify and wants me to verify my identity. I'm going to write the WhiteHouse.gov and report this very same letter anybody 's interested in doing this please feel free and submit it to the president ; whether you like him or not he does act you have to admit and he actually looks at these problems this is federal government issues and it's been made peoples!
Consumer complaint received 2018-03-01
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IN)

In XX/XX/2012I was hospitalized for a injury sustained in military service to our nation. During this time I missed one payment and my minimum payment shot up to 800-900/mo. I was unable to pay that so I kept making  payments and sought relief under the soldier sailor relief act. Chase continued to charge exorbitant interest payments pushing me further and further behind. To their credit they sent me a check about a year ago refunding me for all the interest that they had illegally charged me. 

However, they pushed me up over my limit with fees, and then applied more fees. Finally they offered me a settlement on my accounts for significantly less then what I owed. I declined their settlement because my personal honor required that I pay any honest debt. 

At that time I made an arrangement, I agreed that I would repay every dime, including their fees, for them to remove all negative marks from my credit report. I kept my part of the deal and repaid them every dime. Chase however, has not kept their end, they have 11 derogatory marks spanning two accounts that they agreed to remove. Further more these accounts are inaccurate due to the simple fact that I was making payments which they claim did not satisfy their exorbitant minimum.
Consumer complaint received 2022-08-16
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AZ)

mid america debited my account although recurring payments got cancelled due to the fact that I paid 10 mortgage payments in advance. 
XX/XX/XXXX the money was debited after several phone calls and hours of waiting on the phone they assured me on XX/XX/XXXX that the money will be wired back. 
Today is XX/XX/XXXX and I still don't have the money. 
amount we are talking about is {$710.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having XXXX late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently disputed an item I feel is inaccurate or does not belong to me. The credit bureau has failed to correspond in regard to this matter. I have sent several letters and received no response.