davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I received an unsolicited e-mail from Equifax on XX/XX/2019 indicating my Trusted ID Premier would be canceled and my credit information unlocked. 

I do not wish to unlock my credit information. Following Equifax instructions in the e-mail I signed up for their complimentary Lock & Alert product. 

When I attempted to sign in, I got a screen instructing me to call XXXX as my sign in request can not be completed at this time. I did so on XXXX XXXX, and was connected to what was obviously an offshore call center. After several attempts, then being placed on hold, the CSR said that a " problem '' existed with my account and had to be escalated. When I asked what the problem was, she said she was not at liberty to say, but that someone would telephone me to resolve the issue. She then confirmed my telephone numbers. I followed up with an e-mail to Equifax on XX/XX/19. My credit score is above 800, so I know I do not have a credit issue. 

To date, I have NOT been contacted by anyone, and the issue remains unresolved! I do NOT want my credit information unlocked. 

Today ( XX/XX/19 ) I received an e-mail from Equifax stating my complaint had been " resolved '' and asking me to rate their service! NO ONE has contacted me, returned my calls or e-mails, other than an automated reply stating a case number! 

I want my access restored to the Equifax Lock & Alert software which was removed on XX/XX/19, and my account working so I can block access to my credit information.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

XXXX has REPEATEDLY called my father over my debt collection with them. They already have my name address and current phone number and now they have contacted my father and my brother already several times ... this is completely out of line. XXXX has contacted my father on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the XXXX of 2019. To whom it may concern I have not given them any false information for them to think they need to contact my family members to contact or find me for a debt collection matter. XXXX has not contacted me in the past month. Please let me know what I need to do to get help with having this stopped IMMEDIATELY AND REPORTED TO THE CORRECT PERSON! 

Sincerely, A highly irritated, outraged customer who is highly disappointed with XXXX  's ways of dealing with their customers.
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (AL)

I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NC)

Around XXXX to XXXX, I have been seeing a lot of advertising on Credit Karma. They are sending all sorts of pre approval 's telling me that I'm pre approved for personal loans, credit cards and that I can refinance my car. All this to my email. I see these same offers every time I log in to check my credit scores. After some months have past and receiving so many offers that I was pre approved, I applied, through Credit Karma. I shared this Information with friends and family to sign up for Credit Karma to get same pre approved offers, if not better. I applied in or around XXXX and got denied for 2 credit cards and a personal loan. I was very upset and devastated. I was lied to and marketed for several months. Credit Karma told me that I was pre approved and they told me a lie! I was severely stressed and sick for weeks. Anytime I see something about pre approvals I get scared away. I no longer check my credit because of this.
Consumer complaint received 2020-02-07
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. (VA)

In XX/XX/XXXX, I mailed Experian a letter detailing mutliple inaccuracies contained in my Experian Credit File. The following account is listed below XXXX XXXX XXXX Account # XXXX Here are the following inaccuracies : 1. This vehicle was sold at auction XX/XX/XXXX, so how is it that I am being reported 90 day late from XX/XX/XXXX-XX/XX/XXXX, XXXX is not reporting this nformation. 
2. This report has failed to list the date that this was account closed. 
3. This report has failed to list the date of last activity. 
4. How is the account is listed as OK in XX/XX/XXXX but reported as 90 late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I provided them a copy of my FICO 3 bureau credit report will indicating the above mentioned errors. 

Experian didnt even take the 30 days to investigate with the company. All the company did was use the information that I provided and make the same changes. Its like I did the investigation for them.

1. Experian is still reporting a balance on a charged off account.

2. Experian is not reporting a date of last activity.

3. It does not list the date the account was closed.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

A certified letter was sent to XXXX XXXX XXXX on XX/XX/2019 asking for debt validation. Their letter advised a debt of {$480.00} that they would reduce to {$360.00}, their letter did not have a date in which this alleged debt occurred. Their letter stated " The legal time limit ( statute of limitations ) for suing to collect this debt has expired. '' My certified debt validation letter asked them to advise the SPECIFIC DATE and also stated how can a debt be valid when there is no date associated with it. I can not fight a debt or research this alleged debt without the date of service. This debt is on my credit report. XXXX XXXX XXXX has not responded with a date of this debt. I disputed the debt stating it is illegal for you to make up this debt. My letter to them also stated " Just because you sent me a bill and you specified a dollar amount, does not make it a valid debt. ". " I really feel like this is a joke since how can you provide proof when you can't even state the date this debt is from. ''
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commonwealth Financial Systems, Inc. (WV)

On XX/XX/2023 at XXXX, I received a call from Commonwealth Finance . They called from XXXX XXXX XXXX XXXX and I spoke to XXXX. They recorded the conversation and they were asking private information. I wanted to confirm the legitimacy of the company, so I started to ask my own questions. This upset XXXX and she started to curse at me. She called me all kinds of XXXX and XXXX  and then transferred me to someone else who completely ignores me. I was in the car with my family when this conversation took place and it was completely humiliating.

Furthermore I do not believe that I have a contract with Commonwealth Finance. If so Could they please make that contract available.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting Experian and XXXX XXXX.I would ask respectfully that the last page of the documents.That not my signature on the contract for XXXX.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of XXXX is on the face of the report as well as XXXX  dates and a letter of XXXX.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

A sales representative at XXXX XXXX opened up a new credit card for me with XXXX XXXX during the holiday season while I was shopping there either end of XX/XX/XXXX or sometime in early XX/XX/XXXX. I tried to payoff and close my credit card account because I decided I did not want another credit card and because on the first statement they sent me in XX/XX/XXXX they had already charged me a service charge of {$27.00} on top of the original balance for the item purchased of {$25.00} ( more than 100 % of the balance in less than a month! ). I called the number on the XXXX XXXX Account statement for the first statement I received with a statement date of XX/XX/XXXX in middle XX/XX/XXXX and was put on hold for over 20 minutes and when I reached a representative to pay the card off I was disconnected. I tried again and waited again and I was disconnected. I tried several times after that and was not able to get through. I was finally able to reach a representative on XX/XX/XXXX and paid off the balance at that time on the XXXX  XXXX credit card using my XXXX Debit Card attached to my checking account at XXXX in the amount of {$93.00} which included another {$38.00} service fee on top of the original {$27.00} service fee. I also canceled the XXXX XXXX credit card at that time and was given a confirmation # of XXXX by the online customer service rep. I then received a bill from XXXX XXXX in late XX/XX/XXXX with a due date of XX/XX/XXXX with a new {$40.00} service fee added on. This is all for the same account # XXXX that was supposed to have been closed weeks earlier under my name XXXX XXXX. I have tried logging on online and not been able to and had the same problems getting through on their phone # on their account statement XXXX. I believe this constitutes credit card fraud and they are playing inept in order to charge you exorbitant penalties and fees and will not allow you to pay off the balance or close the card.
Consumer complaint received 2019-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have an Credit Card from Capital One. credit limit was {$3000.00}. XXXX I used the card up to {$3000.00} and was paying minimum payment due. the card was stopped by company and account closed. I was still paying minimum due. Suddenly I received the statement for {$6000.00} I called Capital One representative to enquire about the charges and requested that how some one can use closed account card and over the credit card limit and use it for {$3000.00}. I requested for an inquiry. Which they promised that they will start an inquiry. 
In between I called Capital One many times every time I got the answer that they are inquiring the case. Now I got a letter from collection agency that they represent Capital One and I should pay the amount otherwise they will take me to court. I called collection agency 's agent XXXX  XXXX on XX/XX/XXXX and explained to him everything but he threatens to take me to court. 

I need your help in solving this problem.
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

I opened a Chase Card for my wife. The card account number is XXXX. I have never been late and made every payment on time. I have paid off the balance in full each month. I monitor this card from my account profile at Chase Bank. I have made every payment from this profile and every payment has been early. In the beginning of XX/XX/XXXX Chase restricted my profiles access to the account. This is particularly a problem right now since I am in the process of disputing a charge. I have attached that dispute summary to this file. Since Chase has Denied my access to this account I am required to mail this summary to chase or go into a branch and have the chase branch fax the dispute form in. If my personal profile had access to this account I could simply attach the response to a secure message in Chase.com. This has cost me at least two hours of time so far and is making it difficult for me to exercise my rights. My wife wants me to have access and is irritated with me because I am no longer able to take care of issues on this card without her. The Chase policy is making it more difficult for me to pay my bills and making it more likely I will be late on a payment, or fail to respond to dispute correspondence in a timely manner. Since I have never failed to pay the full statement balance on time and have not been charged any fees this action is clearly a means to make it more difficult for me to pay my bills and more likely to be charged fees. 
It is in the best interest of the monetary system for people to be able to easily pay their bills. Having Banks create arbitrary rules that make it more difficult for consumers to pay their bills and more likely the bank will make fees has a negative impact on our monetary system. Can you please require chase to give authorized spouses access accounts. This is a joint account that I share, have a card issued in my name and have had access until XX/XX/XXXX. The fact that I need to take the time to write this complaint is sad and I hope the person at Chase who made this rule loses their job.
Consumer complaint received 2019-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I was approved for the XXXX  upgrade program with XXXX through Citizens One Personal Loans Account # XXXX. XX/XX/XXXX I received a letter from Citizens One regarding the above listed account number. I was told that there was a balance that had not been paid when I upgraded to a new phone and the account number changed. Upon calling on XX/XX/XXXX, I was told that the problem with the billing was due to Citizens One. I was not told of a work/investigative ticket # XXXX initiated by Citizens One until my recent phone call on XX/XX/XXXX after being denied the ability to upgrade. With the reason being POOR CREDIT PERFORMANCE WITH CITIZENS ONE. The outstanding debit was {$20.00} that I was unaware of until XX/XX/XXXX. I paid this outstanding debit on XX/XX/XXXX via debit card. I am fine with resolving the debit, but am not fine with the charge off that could have been and should have been prevented. I was never notified that Citizens One investigation with XXXX showed that I was the person that needed to cover the outstanding debit. I did not receive any correspondence via physical mail nor e-mail regarding the findings of the ticket/investigation. The above listed account was paid by a credit card that I provided, but was not charged the outstanding amount. I was given a new account and have paid it without fail as I did the above listed account until this issue.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (NC)

This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. accounts that i believe they are not accurate and not verified by not showing proof of contracts with my signature. that i believe are not mine and not verified. i demand a reinvestigation. to accounts listed below. 
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 2019-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 Around XXXX I went to the chase Atm to withdraw XXXX from the Atm. 
The ATM did not dispence any cash, however upon checking with my financial institution XXXX was withdrawn from my account from the chase Atm. 

I contacted chase about the Atm malfunction the representative told me to chase doesn't no handled claims for customers that do not bank with chase. 

I then call a third time to file a reg XXXX claim and the representative advised that there was nothing chase can do. 

I would like to be refunded. 

Location ChaseXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX My Bank : XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is saying that I had a late payment of 30 days late. I contacted them and they couldnt find that I was ever 30 days late, but this is still on my credit report. 
I made a payment of {$100.00} ( min was only {$38.00} ) on XXXX ( due date $ it was returned, on XX/XX/12 I made the minimum due payment of {$38.00}.
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

After my loans were transferred from XXXX XXXX to Mohela I contacted Mohela to inquire if they had everything needed, as XXXX XXXX informed me in XXXX that my employers were certified for for XXXX then they notified me that they weren't. I had the needed employer sign form and resubmitted on XX/XX/22. I know that both employers are eligible I spoke with Mohela in XXXX to ensure they had what was needed. I was told that I had " all my ducks in a row '' and to wait to hear from them in early XXXX. In mid XXXX I reached out to a representative and was told that it looked like my application was hung up and submitted for it to be reviewed again and it could take another 90 business days. I asked why that didn't occur when I spoke with representatives during the summer and fall. She said she didn't know and that she couldn't do anything else to assist
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.