davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I pay an annual fee of approximately {$600.00} to chase for my XXXX XXXX  and my wifes. I pay this fee because of the trip delay and lost luggage benefits. I never made a claim before, but submitted my very first claim to be reimbursed for hotel, food, and incidentals because my flight to XXXX XXXX was delayed overnight by XXXX hours and we were stuck in XXXX. I think this benefit is fraudulent. Ive placed multiple phone calls and sent multiple emails and they always ask for a XXXX more piece of info and say it will be XXXX business days before they can respond. I believe they have XXXX intent of paying any claims and simply try to delay and west people down until they give up. My claim number is XXXX.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (CA)

Yesterday, XXXX @ Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, phone XXXX or XXXX called me at my cell phone asking for the payment due to XXXX XXXX XXXX XXXX, XXXX of {$430.00}. I told him I didn't owe them anything and I didn't know XXXX. I also asked XXXX which property address owing that such amount. He gave me one address in Texas. I told him I never lived in Texas my whole life. XXXX XXXX, this account under my name will be closed because it's a mistake. I also told him I reported a fraud to XXXX but also I wrote Convergent a letter explaining I don't know them or owe them anything.
Consumer complaint received 2022-03-23
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: CITIBANK, N.A. (SC)

I have been involved in three data brach XXXX, XXXX XXXX, and XXXX. my information have been seen on the dark web and I have fraudulent accounts on my credit report, wrong names, incorrect addresses and denied bank accounts and credit inquiries. I have tried to reach out to the credit braun and creditor as I can't nothing resolve.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (GA)

I have recently reviewed my report and to my surprise i found that i have been a victim of identity theft. i found inquiries that are not mine. this is affecting me. please remove these unauthorized inquires.
Consumer complaint received 2022-03-23
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX my biological mother XXXX XXXX XXXX committed fraud against the courts by stealing my entire inheritance from my father XXXX XXXX XXXX she also received a refinance home loan in XXXX and in XXXX in my deceased father 's name he died in XXXX of XXXX so how is it that he was alive to sign a XXXX XXXX in my mother 's name and how is he able to refinance a home loan in XXXX and in XXXX if he died in XXXX of XXXX. My mother received a {$100000.00} from XXXX XXXX XXXX XXXX XXXX TX and she is also responsible for my father 's death by XXXX XXXX and was charged with gross vehicular manslaughter in the state of California which the law states you can't benefit from someone's death in which case you have been charged for the persons death that being said why is she commiting acts of fraud and getting away with everything seriously had anyone else done this they would have been locked up already so why is it your letting her take hundreds of thousands of dollars and get away with it seriously lock her up already she also takes life insurance policies out on her patients and she gets paid each time someone dies while she is a registered XXXX nurse enough is enough do something about it seriously she has taken millions of dollars from people why allow her to get away with everything seriously who the heck is she!
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Consumer complaint received 2022-05-16
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Beginning in XXXX, Navientknown then as Sallie Maeengaged in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients portfolio and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. 

Navient is aware of its potential liability to discharge these loans, and has been forced to cancel some of these loans through legal settlements. This year, the servicer set aside {$35.00} XXXX in anticipation of a liability to cancel predatory legacy loans. While the Department of Education has promised to wipe out over {$18.00} XXXX of predatory federal debt from for-profit schools, Navient hides and establishes convoluted pathways to relief for its similar private predatory loans. 

Navient is set to transfer its student loan portfolio to XXXX by the end of XXXX. XXXX is ill suited to facilitate the cancellation of these loans. During the return to repayment, at least 2.5 million XXXX borrowers were affected by servicing failures like backlogs, payment miscalculations, and late bills. 

I was denied by Navient for the School Misconduct Discharge Form even though the school I went to - XXXX XXXX XXXX was already shown by courts to have deceived students. Navient is acting in bad faith by not allowing us to discharge these loans.
Consumer complaint received 2022-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

According to the Fair Act Credit Equifax is violating my rights. I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. On XX/XX/XXXX they send me letter page 3 of 6 ; saying it was verified through XXXX and I resent the letter showing that they could not verify. Please review paperwork attached.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service (NY)

On XX/XX/XXXX, my Military Star card, which had been opened since XXXX or XXXX of XXXX, and is importantly my oldest credit reported on my credit report, was closed, without warning or notice to me. On XX/XX/XXXX, I called Military Star card customer service and asked them why it was closed and if it could be reopened immediately. They told me it was closed due to inactivity, and that it could not be reopened immediately. If I wanted to reopen it, it would have to be after 90 days. 

I fear that if I wait 90 days to reopen it, it would show as a new account on my credit report and I no longer would have a XXXX account on my credit report. Having old credit accounts is beneficial in credit reporting and credit scoring. ( If you ask me, that's a form of age discrimination. ) While Military Star has a point that I had not used the credit card in a long time, I have had it for several years without ever being given notice of the repercussions of no activity. Even if they did not have my current email or mailing address, they did have my current phone number. Since Military Star customers are typically military people with little credit experience, it would have behooved Military Star to communicate with me via all means possible. 

My name is XXXX XXXX. My social is XXXX. My phone number is ( XXXX ) XXXX. My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2022-05-16
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (SC)

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 15 USC 1681. Delete account immediately! 

XXXX XXXX Account XXXX Opened XXXX Reporting 60 Days Late ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Account XXXX Opened XXXX Status : Paid, was a repossession ( XXXX XXXX Current ) XXXX XXXX  Account XXXX Opened XXXX Status : Paid, was past due 30 days two or three times ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX 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 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

Nenet has reported me as delinquent on student loans, shredding my credit score. I stopped school last winter and made repayments. Then, I transferred to another school for my XXXX in XXXX. Last payment I made was mid-XX/XX/XXXX. I asked for deferment. I was told by a Nelnet representative that they would contact the school and I would be deferred, once verified. Well, they only contacted the school in XXXX. I thought I was okay. Now, I get reported to at least two credit bureaus as being in default on my student loans. I have asked Nelnet repeatedly to rectify this and, if I have to pay, let 's start payments again, but after they fix the grand mess they caused me through apathy and incompetence. Please contact them and MAKE them fix this. How can you be delinquent, if you do n't know you are delinquent? Their communication is horrific. I do want to consolidate my loans with XXXX XXXX to get away from this company. Need help fixing the credit reporting and some fairness here. Thanks.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested that the CRA remove all old addresses and variations of the spelling of my name to show a complete and accurate consumer report. The correct and accurate name should show as XXXX XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX GA XXXX. I have enclosed a copy of my drivers license and a copy of a current utility bill as proof of my residence address, please remove address XXXX XXXX XXXX XXXX XXXX GA XXXX as shown on my credit report dated XX/XX/XXXX, as I have not lived there for quite some time, and since many other people have been using address XXXX XXXX XXXX XXXX XXXX GA XXXX in the years since I was there, I am concerned that the reporting of this address on my current report may create an opportunity for identity theft as I have a fairly common name.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed a police report and a CFPB complaint about several issues that were never addressed concerning unknown or dubious addresses and accounts listed on my credit report. I have found the following unknown accounts : 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. I would like to request a PIN and Security freeze until I can get this reinvestigation started.
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (VA)

I have a loan with Mariner Finance. I am a bit behind on payments. When they call about payments, I have told them I can make a payment by the end of the month. They then harass me asking, " well, what day, I need to know what exact date, and how you will be making a payment ''. My husband has a loan with them as well, previous manager, with a late payment of a % of the principal or payment due not totally sure as it's his loan but mine is {$20.00} everytime, I feel this is exceedingly high for being a repeat customer. They also can not keep their records straight. I can not find anything online in my accounts with them about my loan, only a picture of the check. Just recently, I authorized a payment for {$230.00} on XX/XX/XXXX. They only took {$100.00} from my bank account. When I called to see what happened, I was told, " we have a recording of you authorizing a payment on the amount of {$100.00}. I admit, that set me off, what recording are they making of me, so I cussed at the agent. She overheard my husband say we would be calling the Virginia GeneraXXXX Attorney. All of a sudden they try calling me back and left a voicemail saying they actually did have a recording of me authorizing the {$230.00} payment and if I could call them back to authorize a payment of the difference. I have not called them back yet as I wanted to talk to officials. I feel that, several times, common business ethnics, were not acted out and instead made me out to be a villian, acting like basically loan sharks, over an overdue payment. Granted it's not the first one, but we paid the last one with all added fees and made arrangements to do so again and it's been awhile since I've been in the job market with COVID-19 and everything that happens afterwards, but this does not make me feel right, as a customer, to be constantly harassed about late payments when I know I am late.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (CA)

Crypto.com has a XXXX debit card. I opened one and transferred {$300.00} to it. Now it shows only {$250.00} and I have not charged or used the card and there is no one from Crypto.com who can explain to me the missing {$50.00} or provide me with any documentation of it. Thus, I am hesitant to transact with them until the matter is fully resolved and explained. My customer service requests began on XX/XX/2022 and I have still not gotten any resolution or explanation of the missing {$50.00}. They respond with generic boilerplate messgaes that the matter has been assigned to " the relevant team '' and to please be patient. Several weeks have elapsed, with no explanation and the balance is still {$50.00} short. 

Also frustrating is that they offer no phone number for customer service. Maybe you need to be a very large customer to be entitled to a phone number. Only " chats, '' and emails or texts for the " rest of us, '' which all appear to be the same few representatives. I suspect that the response is really not a human being, but some artificial intelligence bot that responds based on the key words to make customers believe they are being helped. The phrases " no worries, '' " I remain available, '' and " please be patient '' are in almost all of the recent responses from this A.I. customer service bot. If it's a live person, then they monotonously use and reuse the same tired phrases over and over that they were told to use by the company to make customers believe they are doing something, when they are really just stalling and wearing down the customer.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( Experian , 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, etc. ), are violating my consumer rights.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NM)

I have received at least 3 phone calls from Receivable Management XXXX XXXX at ( XXXX ) XXXX, prompt 1, extension XXXX. The agent identifies as XXXX XXXX. The last call was XX/XX/XXXX. 

On XX/XX/XXXX, I received a form letter from The Receivable Management Services LLC stating they are a debt collector. The form letter stated I had a XXXX XXXX account and as of XX/XX/XXXX, I owed {$3900.00}. I have never had any account with XXXX XXXX. This debt is not mine. 

RMS also listed an account number for XXXX XXXX, and a reference number for The Receivable Management Services LLC. The RMS form states I have until XX/XX/XXXX, to dispute the debt, and stop collection on any disputed amount. 

Once again, I have had no dealings with XXXX XXXX and this debt is not mine.