davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
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. (NC)

My Equifax credit report of XX/XX/XXXX. 
Reports a XXXX account Opened XXXX XXXX XX/XX/XXXX Address of XXXX XXXX XXXX deleware On my Equifax report of XX/XX/XXXX Reports it is a changed name XXXX XXXX XXXX DELEWARE Not XXXX XXXX I reported fraud and identity theft in XX/XX/XXXX to  XXXX/Equifax. The accounts were supposed to all be closed but this changed name account within 6 months were reported 2 different ways on the same company Equifax XXXX opened XXXX XXXX XX/XX/XXXX shows it remained open thru XX/XX/XXXX
Consumer complaint received 2022-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (TX)

According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (NH)

On XX/XX/XXXX I took out a car loan in the state of California. I bout a used XXXX XXXX XXXX with XXXX miles. I moved to California on my own and was struggling hard and needed a means of transportation. I was desperate and need a car quickly which I feel the dealership took advantage of and signed me up for a contract that was not explained to, theyb essentially told me to just sign. The amount financed was {$12000.00} with total payments being XXXX. My annual APR is 27.29 which is extremely high judging the fact of what I make per year. They are charging me nearly XXXX for a used vehicle that is not even worth this amount. I am trying to figure what I can due and if possible I can sue the lenders in regards to predatory lending.
Consumer complaint received 2019-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc. (MD)

I have submitted forbearance requests and reduction in payment until I am able to secure employment. I recently graduated for college and received forbearance for both my federal and private loans. Lendkey is the only servicer which will not allow for a reduction in payment while I interview for employment. The document log is listed below with dates. I have not received written confirmation of approval or any indication that a temporary reduction of payment or no payment is possible. 

KCE-3137 EnrollmentCertificate XXXX.pdf ( uploaded XX/XX/XXXX ) Forebearance app.pdf ( uploaded XX/XX/XXXX ) XXXX XXXX_Forbearance AppXX/XX/XXXX.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_Forbearance_KCE_3137.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_KCE_3137.pdf ( uploaded XX/XX/XXXX )  XXXX_XXXX_KCE_3137 corrected.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955b153c607_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX3_16e9174a179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019XX/XX/XXXX_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_10_13_23_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX ) PRW-8655 FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_09_13_19_48_16_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX )
Consumer complaint received 2024-02-11
Product: Credit reporting 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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXXX Opened : XXXXXXXX XXXX XXXX Balance : {$93.00}.
Consumer complaint received 2021-02-18
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: BARCLAYS BANK DELAWARE (OH)

Barclays Card US was disputed twice and Ive contacted them requesting a way to resolve this late and derogatory status on my account. I was told Id get a follow up call from Barclay Card and never received it. Id like this removed from my account or have a way to resolve this negative status on my account.
Consumer complaint received 2019-02-12
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I seen this company on my credit report Portfolio Recovery Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I received a letter from Citibank dated XX/XX/XXXX, indicating that a recent review of my home equity account had identified errors that occurred during the processing of my modification dated XX/XX/XXXX. I have been extremely upset that I have no understanding of why it would take nine years for Citibank to contact me regarding errors of my loan modifications so I did some research on the internet. I found out that CFPB ordered Citi Financial to pay {$28.00} XXXX in damages for the incorrect handling of loan modifications. 
Finding this information has caused me great stress because CitiMortgage held my primary mortgage in XXXX, which was also modified. Conveniently CitiMortgage sold my mortgage to XXXX XXXX in XX/XX/XXXX ( copy of letter attached ) and has never addressed any errors in my modification process. 
CitiMortgage ruined my life financially for years through their modification process. One of the outrageous things CitiMortgage did was listed my repayment agreement on my credit report as a foreclosure which caused me credit issues for years. I found out of the foreclosure being listed on my credit history because I was denied credit from XXXX XXXX. This foreclosure never happened, still today, I reside in the home that CitiMortgage identified as beginning foreclosed. At the time, I contact CitiMortgage and the three credit agencies to have this corrected but CitiMortgage refused to correct it. They addressed the matter saying that they had a right under the terms of my repayment agreement to identify my modification as a foreclosure. Attached is a copy of my XXXX credit report from XX/XX/XXXX, showing the false reporting CitiMortgage sent the credit agencies in XXXX and XXXX of XXXX. I have attached the letter dated XX/XX/XXXX, I sent CitiMortgage request the removal of this incorrect information. I received the attached letter from CitiMortgage dated XX/XX/XXXX, clearly indicating that they would not change their incorrect reporting. Also, Ive attached my follow-up letter for CitiMortgage dated XX/XX/XXXX, again requesting the inaccurate reporting be corrected. CitiMortgage never disclosed to me that this foreclosure reporting would take place even though I completely met my obligations under the repayment plan. 
CitiMortgage definitely sent inaccurate consumer information to credit reporting companies and failed to investigate my consumer dispute. Citibank is issuing a credit to my home equity loan due to their incorrect process, therefore I question whether CitiMortgage has also incorrectly processed my modification back in XXXX and whether Im entitled to damages as set forth by CFPB order. 
Im looking for CitiMortgage to address whether the processing of my XXXX modification was processed correctly. Specifically, I need them to address the damage to my credit history they created. 
I would appreciate any information you can provide me.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

I asked to downgrade by Citi Prestige Card to a card with no annual fee. Citi did that and downgraded my card to a Citi Double Cash Back card. At the time I downgraded the card, Citi told me that I would have 60 days to use my Thank You Rewards Points. However, immediately, my points were eliminated. I called Citi and they said I can still use my points, but must book flights over the phone to do so. I was told to call XXXX ( both in writing and over the phone ), but that number simply gives you advertisements. I told Citi this when I called the number on the back of my card and they said to press " 0 '' when I called that number. I did, and it hung up on me. I finally called the number on my card and was transferred to a points redemption specialist. But that specialist said to book a flight over the phone, they said they would charge me a {$23.00} telephone booking fee. Even though I can not book the flight online. None of this was disclosed to me when I  downgraded my card. To the contrary, they simply said I would have 60 days to redeem my points.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account XXXX XXXX XXXX.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

As a victim of fraud, I open a dispute of a deb in collections with XXXX  and after 30 days they decline my dispute alleged as VERIFIED AS ACCURATE, since I dont recognize that deb as mine, I contacted the collection agency directly to find out more information directly from them, and for my surprise they dont have any information as a third party directly, they represent a law firm which is not the one reporting the deb to the Major Bureaus which under FTC is an illegal practices. they offer me a phone number to call directly the law firm whose handling the case. 
As soon I hang up with them I contact XXXX  to let them know my conversation and I request to speak directly with a supervisor to take action on my favor and remove that inaccurate information from my report as soon as possible since they have to report 100 % accurate information but he told me that XXXX  can not remove the information even when they verified by phone the violation.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (OK)

I bank with Bank of the west in XXXX oklahoma. Have for a long time. Been at this site for about 35 years. Never had any problems until XXXX XXXX got involved. They are based out of XXXX XXXX. Over the last couple of years they have moved things around on my account from day to day so as too be able to charge me fees. For example just 2 days ago I deposited XXXX dollars. Showed it was in my account. Then the very next day they did not credit my account with XXXX  dollars of it and switched some things around so as to charge me 4 fees. This stuff has been going on for at least a couple of years. They have ripped me off of probably XXXX  dollars or more. Not to mention all the interest played out on other loans trying to keep up when they constantly overdrive my account. Much less the XXXX XXXX  and XXXX If this is not fixed I will be filing a lawsuit against them. My state representative for the state and also my representative in the oklahoma house will be made aware of this. Will need to be investigated. Not really sure if this is just going on at our branch or if it more systemic across the board at all of the bank of the west locations!!!!!! Feed back required.
Consumer complaint received 2019-01-20
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. (TX)

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for the XXXX XXXX XXXX XXXX in XXXX of 2019. The rep I spoke with on the phone informed me that the card would be rushed to me so I could get it before i went on Vacation. That was a lie. I never got my card on time and future reps that i spoke to on the phone kept giving me the run around and never got my card to me on time. I was so frustrated with the experience that I immediately cancelled the card and did not spend any money on it. Now I have decided to give the card a second chance and American Express Website is saying i am no longer eligible to receive the sign up bonus due to already receiving it. That is false. I spoke with them on the phone and they said there was nothing i could do about it. This is very frustrating and not right as i have been an American Express customer for nearly 8 years.
Consumer complaint received 2020-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

I disputed credit inquiries in XX/XX/XXXX that lacked have a permissible purpose, of which I did not authorize. Experian failed to conduct an investigation into the matter within thirty days and instead, did not investigate my dispute at all. After a complaint and second dispute XXXX, they claimed said inquiries had a permissible purpose but failed to provide proof of said purpose ; as a credit reporting agency, they are required by law ( Fair Credit Reporting Act ) to report 100 % accurate information ; however, they are not doing so. I demand that the following disputed inquiries of which they failed to properly investigate in my original dispute from XX/XX/XXXX be deleted from my credit report : " XXXX - XX/XX/XXXX '', XXXX XXXX XXXX  - XX/XX/XXXX '', " XXXX XXXX XXXX - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  - XX/XX/XXXX '', " XXXX  - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  XXXX  - XX/XX/XXXX '' and " XXXX  - XX/XX/XXXX. ''
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One XXXX XXXX checking account. During the government shutdown Capital One attempted to make some " back end changes '' to mine and others accounts. In the process their 2-step verification system was broken. Since this time, I have been  unable to login to my business checking account. They stated the issue would be solved over by XX/XX/XXXX and I'm still unable to access my account from the web due to the 2-step verification issue. Please assist me and others in getting Capital One to resolve their issues.
Consumer complaint received 2021-04-17
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. (NY)

To whom it may concern I am looking over my hard inquires with XXXX  and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX JPMCB CARD in XX/XX/XXXX was fraud and XXXX XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and XXXX  as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was JPMCB CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX  but it is still showing on my XXXX  credit profile.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (WA)

XXXX XXXX court issued me a traffic citation. Amount due was {$72.00}. Debt collection was handed over to a collection agency ( Harris & Harris : XXXX ). Collection agency has tacked on additional {$30.00} worth of penalty and interest. Court ( customer service ) confirmed that the court only recieves the original amount ( {$72.00} ) and they have no visibility or control on what the collection  agency will charge. 

There is lack of transparency on what specific penalty and interest rates this private collection agency can charge, and lack of rules that govern this. Who decides how much fees and interest they can charge? What if they decide to charge a XXXX dollars? I am under no contract with the collection agency and the court is only aware of the original amount.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have called XXXX and XXXX  several times in a attempt to get these hard inquiries i did not authorize removed I was told that I need to call and contact the original creditor that placed these inquiries on my report. I have made several attempts to get Capital One to contact the bureaus and remove these inquirys as they were not authorized by me. They seem to not be able to get me to the right person to take care of this matter no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want all Capital One inquiries removed from my credit report before I take legal action. I I have never requested any kind of credit with Capital One or hold any account with them. I have inquiries from capital one on XX/XX/19 and XX/XX/19. i want this matter resolved