davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NH)

I received a notification via several sources that there had been a hard inquiry on my credit report by JP Morgan Chase Bank. This was not triggered by any activity on my part. 

My biggest complaint is that when contacting this company about potential identity fraud, you are repeatedly informed that the only way anyone can help ( which they hardly do ) is if you provide your full social security number to them. 

This is a ridiculous request of someone who doesnt do business with your company and is calling only because they are concerned with potential identity fraud. There has to be a better way. 

Even after providing that, multiple times, against my better judgement over the past week and a half I have been : *Put on hold for over 30 minutes *Told I was getting transferred to someone that could help me and having the call just end/drop because that department was closed. Frustrating after spending an hour on the phone to get to that point. 
*Left a message for the first time by someone who is supposedly trying to help but the voicemail doesnt contain a name, reference number ( oh great I can provide my social again ), or even a number to call back to speak to someone in the actual department vs starting my adventure over all over again in who knows what department with someone who probably cant help me. 

Most of this I just chalk up to typical big corporation stuff, but please do something about the social security number request. That is a horrible situation to put someone in.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with CarMax XXXX XXXX. 

After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that CarMax XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. 

This letter is admittance to inaccurate information being furnished to XXXX, XXXX  and XXXX  for multiple years. ( Letter is Attached )
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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
Consumer complaint received 2021-11-16
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. (NJ)

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC. (OK)

I stayed in the hospital for a period of time and was billed by several areas of the hospital. I was sent to collections with PASI who setup multiple payment plans over a 2 year period. After my debit card expired, we established a new plan for XXXX per month out of my husband 's checking account. 

Payments continued monthly until XX/XX/2021. We never changed the bank account or had a returned payment however PASI sold our debit to a new company and stated it was due to no payment being received. From XX/XX/2021 to XX/XX/2021, no communication was received asking for payment and no notice of the debt being sold was ever sent. 

I called PASI who said they were not sure why I was not advised or why I was ever transferred. The agent transferred me to Customer Service where I got a recording that their office had just closed 5 minutes earlier. The agent also advised that whoever answered could and would get me a statement.
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by Wells Fargo. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Well Fargo via USPS mail on XX/XX/2021 after completing my pre-approved online application. I as a natural person was harmed by Wells Fargo 's adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) states are up to ( {$5000.00} ) XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2019-10-18
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: BARCLAYS BANK DELAWARE (FL)

I have signed up for Wyndham Credit Card through Barclays Bank, they advertised a promotion of 15,000 points after the first purchase. I made a purchase within first month and they have not come through their promise. I contacted the bank several times because the bonus points did not show up, without success.

Af first they said I had to wait up to 12 weeks, when the 12 weeks passed they changed the story saying I needed to spend XXXX dollars minimum which was not in their marketing material. 

The account was open XX/XX/2019, for a Wyndham Visa Rewards card, no annual fee version. as stated in their terms : " Cardholders will earn 15,000 Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I have made a purchase within the first month meeting the requirements as stated by their terms. The time for bonus points to post to the account are 8-12 weeks which passed without fulfilling the bonus.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

On two past occasions ( within a year ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely used too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not recall at all and would not have done that on purpose. I like paper copies because I note when I make payments and I like to write down when I made the payment and I file it away. This past month ( XXXX ), apparently it happened again. I called and asked to have the late fee ( {$25.00} ) and interest ( XXXX cents ) removed and they said no because they had removed it 2 already within the year. The credit card bill total was for for {$52.00} plus {$25.00} plus XXXX cents. I closed the account immediately but they still refused to credit late fee and interest. 

I told them that Citi has designed their website so when people first login to their account they " purposely '' and willfully attempt to get consumers to click on paperless. I think this is more than an attempt to save money from just sending electronically vs sending via the mail, I would argue that Citi is making large profits off this when people receive these late payments and either just pay them off or refuse to go to the trouble to fight it like I am. I believe this could be huge and could help many others. Companies should have to have 3 alerts to ask you if you are sure you want to receive paper copies. They want this to happen.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We were submitting documents to Specialized Loan Servicing in 2017 and at one point we received a payoff quote, along with the payoff quote we received a Disclaimer. 

The Disclaimer reads as followers : We are required by regulation of The New York State Department of Financial Services to inform you for the following information. This information is not legal advise. 
Your creditor or debt collector believes that the legal time limit ( statue of limitations ) for suing you to collect this d

ebt may have expired. It is a violation of the fair Debt Collection Practices Act, 15 U.S.C.1692 et seq., to sue to collect on a debt for which the statue of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statue of limitations has expired. Even if the statue of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statue of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

If you would like to learn more about your legal rights and options, you can consult an attorney or legal assistance or legal organization.

SLS Contact Information : Specialized Loan Servicing, LLC XXXX. XXXX XXXX XXXX, CO XXXX This letter was received after entering into a loan modification. 
We had an Attorney contact Specialized Loan Servicing and was able to get absolutely no information. 
We have tried to speak to SLS but all they say is that we gave you a loan modification. 
Each month even though we have made payments they send us a new loan modification package. They have admitted that the collection of the debt has expired. 
PLease help us with this situation.
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied to BANK OF AMERICA for a home mortgage loan which was preapproved I have complied promptly with all requests for documents and based on the preapproval I made an offer to purchase a property at XXXX XXXX XXXX, XXXX XXXX CAXXXX the offer was accepted on XX/XX/2019. Today I was supposed to remove the loan contingency however I received a call from the assigned loan officerXXXX, XXXX, informing me that the underwriter is not willing to approve the loan without giving me a reason.
Consumer complaint received 2019-07-05
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. (SC)

My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing Equifax had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to Equifax. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with XXXX  finally on XXXX XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.
Consumer complaint received 2022-10-11
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. (FL)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX XXXX issues : Violations in my credit report. 

All violations have been circled.
Consumer complaint received 2021-11-16
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: Comerica (MI)

I have a direct express card that I receive my Social Security benefits online. 

I had to dispute the charges which I notified them two weeks ago and they have not submitted me the form to submit the fraud and to request the interiocredit telling me investigation
Consumer complaint received 2023-08-14
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. (GA)

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas Equifax, XXXX, XXXX
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (PA)

I was contacted in regards to this debt that is clearly listed in my credit report as a result of identity theft. Every time I clear it up it gets sold to anther company and they typically look at the notes and see all of the documentation and remove it. When I explained it to the debt collector, XXXX XXXX from XXXX, he told me that I could dispute it with the credit reporting agencies but that they are not like all of the others and they would not just remove it. He said that I had to do a police report, which I already have several, but that they had to prove it wasn't me through detectives/handwriting analysis, etc. I went and filed another police report and that was the extent of it. They do not utilize their resources in the manner that XXXX is requiring. When we were on the phone, I was upset because I knew that they wouldn't he threatened to hang up and send it to collections and tag my report anyway. The documentation that he sent me regarding this fraudulent account even had an alert stating that there was a substantial difference found between the inquiry address and the existing file address. In addition to that, there is no social security number listed nor confirmed on this application and XXXX was not my last name at the time of this application. The fraudulent account was opened in Texas. I have lived in the state of Pennsylvania my entire life. The account was opened with a temporary check as a deposit. There is nothing linking this account to me. I explained all of this to him and also asked him to review all of the notes, alerts, statements, and even a freeze on my credit account but he refused. Now it is back on my credit report and has dropped my score.
Consumer complaint received 2019-10-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

My wife and I file for divorce over a year ago I Immediately had her taken off as authorized user then XX/XX/XXXX she was expedited a card by USAA bank received on the XX/XX/2019 Her tracking them before her card XXXX I was told she did it by activated through voice they will not give me nothing in writing She racked up {$3700.00} declined was {$340.00} they sent me out another card I was scared to get it closed The account I was Afraid USAA would no longer talk to me I held on to my card I had the sticker on it and left the sticker on it and did not activate it Somehow my card and it up activated with {$2800.00} put on it then I got a check in the mail from USAA for {$2800.00} then they want me to send the check back they told me it was for damages in what I went through They stated that it got activated and usual but will not tell me who activated it or nothing they will give me nothing in writing they're trying to make me pay for the charges they will not help me in any way and my soon to ex wife is getting away with all of this one time she put charges on my XXXX my sons with my account sit me attacks admitting she had done it they did remove that I don't think it's fair she gets away with it
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the account in question : NORDSTM/TD XXXX Balance : {$4900.00}
Consumer complaint received 2019-10-18
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. (CA)

I graduated from the University of XXXX, XXXX finishing my XXXX in XX/XX/XXXX. I had over {$110000.00} in student loan debt at the time of graduation, both Private and Federal loans. At the height of the financial crisis, I was laid off on XX/XX/XXXX. Having a hard time making ends meet, I contacted Navient for help. They never once offered me a better payment plan, such as an Income Based Repayment option. They pushed me towards setting of a forbearance on my loan. I was unemployed for over a year, in which the accrued interest continued to build on my loan. Ever since XXXX, I have been back to paying my student loans. In XXXX, I ran across other people in situations like me, and found out about the Income Based Repayment option. Navient not once assissted me in repayment options, only forbearance. Now we sit here in XX/XX/XXXX, and my student loan debt is over {$200000.00}! I pay over {$1100.00} per month now, and my total loan principal decreases about {$100.00} per month! This seems incredibly unfair that my {$110000.00} student loan debt is now over {$200000.00}, with no end in sight. I feel like Navient did a disservice to me and pushed me towards a forbearance, which put me into this situation. Please help!
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX   has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Consumer complaint received 2023-08-16
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. (GA)

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Public records, consumer reports, and mainly Fraud Alerts, Consumer Statements, personal statements.