davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from Chase, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from Capital One and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I HAVE NOTIFIED THE CREDIT REPORTING AGENCYEXPERIAN THAT I AM THE VICTIM OF IDENTITY THEFT ON 4 SEPERATE OCCASIONS AND THE ACCOUNT REMAINS THE CREDIT REPORTING AGENCY EXPERIAN IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION VARIOUS DATES OF DISPUTE BELOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (DE)

I HAVE BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I have 2 XXXX Care Credit credit cards through Synchrony bank. I charged a repair on both cards ( 2 separate transactions ) under a 12 month promo. The promo was somehow removed from both of my accounts by Synchrony, so I have been charged interest each month on both cards. 

I have called, my husband has called and I have emailed Synchrony several times to have the promos put back on and the interest taken off of both cards. I have sent Synchrony the XXXX paperwork showing the promos. Moreover, the Reps have found the promos in the system, so there is no debate on whether or not the amounts and the promos are correct. We have both been told several times that this issue would be fixed on both cards ; however, several months later, it still has not been fixed on either card. I have been dealing with this for over 10 months! 

Card 1 was charged XX/XX/XXXX for {$XXXX} and card 2 was charged on XX/XX/XXXX for {$XXXX}.
Consumer complaint received 2019-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (MD)

On several occasions Ive called this company about them reporting this account on my credit files. The account does not belong to me and my name has been falsely used for the account. The company sold it to a new company and now they both are repointing on all three of my credit files. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-02-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACQ Holdings, LLC. (WI)

Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX.XXXX  in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ... she was still in school ... In XX/XX/XXXX it shows 120 days late ... could you please correct this ... thank you in advance.
Consumer complaint received 2019-08-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

We have three Cd 's. all were selected with the option to have the interest credited monthly to my XXXX year old mothers checking account. It happened for a few months then stopped. 

I called and was told there was a problem with their program and the interest would have to be credited manually each month. They didit in XX/XX/XXXX but now nothing has happened in XX/XX/XXXX. I called this morning and was told someone would call me back. No one has called. My mother needs the money to live on. This isvery upsetting to her, at her age of XXXX. 

Citibank does not care
Consumer complaint received 2021-12-02
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. (NY)

This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.
Consumer complaint received 2019-08-16
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: AMERICAN EXPRESS COMPANY (PA)

End of XX/XX/2019 I applied for an American Express card to do a balance transfer. The first balance transfer was for XXXX from my XXXX credit card. The second amount i transferred was XXXX from my XXXX XXXX card, because the interest is so high. I get a letter on XX/XX/2019 saying my balance transfer was a success and the letter showed to whom the balance transfers were made. As I was looking over the letter i noticed they sent the XXXX to a XXXX XXXX and not my XXXX XXXX card. I do not have a credit card from XXXX XXXX. And to top it off the XXXX that i wanted to be transferred from my XXXX XXXX is still on my XXXX XXXX card. I called them and they said that yes they did in fact make a mistake and it would be taken care of and would show on my next statement which would of been XX/XX/2019. Well it wasn't. I have made 3 more phone calls to them and the XXXX is still on my.statement.I contacted the XXXX XXXX XXXX  and I received a letter from American Express saying the transfers were made correctly and they requested this money back from XXXX XXXX but it can take up to 180 days. What?? Not only is the XXXX on the American express card statement but I also have the XXXX that was supposed to be transferred from my XXXX XXXX card is still there. This amount on the American Express card is showing up on my credit report and i keep getting a bill for this amount. i am not paying this amount and it is going to ruin my credit and everything else. I am going to be charged interest and probably start getting calls they want this money. Please help? They are not trying to rectify this mistake that was made by them. i canceled this card on XX/XX/2019.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MO)

XXXX XXXX XXXX illegally sold me a vehicle they didn't not own after finding this out i tried returning this vehicle to them but they refused send me back and forth between them and the finance company.
Consumer complaint received 2022-09-15
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. (GA)

There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX XXXX XXXX  and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

Initially reported company to CFPB XX/XX/2019. Company assured that they would correction their error of reporting that I was 30 days late. Company did NOT correct report but yet reported me as now being 90 days late. This has caused me not to be able to send my son to college this semester because his student loan was denied because of the false reporting. Im out of {$7500.00}. This is beyond stressful and illegal
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.
Consumer complaint received 2021-02-04
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. (AZ)

On XX/XX/2021, I put in a verbal request of an agent at Experian, after a week of waiting they advised me that would not remove it, even though XXXX  removed it in one hour a few days before, it has been two weeks and I am still waiting for XXXX  to respond. It pushed my XXXX  score up 50 points, I need the same to happen on both, so that my wife and I can qualify for a mortgage or at least a new rental. It is so time consuming and my landlord needs us out of this house asap, so she can sell this house.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2020, I deposited a cashiers check for {$1100.00} through a Huntington ATM into my checking account. On XX/XX/2020, those funds were posted into my checking account. That money was then sent through XXXX, provided by Huntington, to another person. On XX/XX/2020, the funds were reclaimed by Huntington along with a {$10.00} fee for a returned deposit item. I immediately called Huntington upon learning of the return. I filed a case with Huntington and XXXX. I have also filed a police complaint with the XXXX ( Ohio ) Police department and the FTC. Though I have no idea if that was the correct federal authority. The cashiers check was sent to me through XXXX for the purchase of an aquarium that I had posted on XXXX. Apparently the cashiers check was fraudulent. However, I had no way of knowing that until the bank informed me. I had done the due diligence that I could do in assuring that I was not depositing a bad check It was a cashiers check. My understanding was that a cashiers check was as good as cash. I had 2 phone numbers with which to contact this person. I had an email address. I also had a tracking number through XXXX. Understanding that everyone tries to be cautious with personal information when dealing with XXXX, I believed that I was protected. My options for further investigation are limited, obviously, as the typical citizen is not an expert in fraud, nor do I have access to another persons bank account. Huntington should not have cleared the check until they were aware of whether it was a valid check or not. If I had deposited a check from a neighbor that had insufficient funds, the bank would not have given me access to that money. Huntington informed me that it was my decade of being a good customer to them that encouraged them to release the funds prior to inspecting the check. The first Huntington employee stated that there should have been a hold placed on the check. When I inquired as to whether the bank would have been able to tell me if I had entered the bank, I was told no. Clearly, I have been a victim of fraud from the person that sent the check, but if I cant count on the bank to inform me properly, what protection do I have?
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I signed a year lease with my girlfriend in XX/XX/XXXX to XX/XX/XXXX. Once we reached the end of the lease, I decided to move. She decided to stay in the home and signed a renewal directly with the property company. I never signed the document as I moved out ; however, the property management company allowed her to live there and sign just her name. She later broke the lease and XXXX XXXX now known as XXXX XXXX XXXX sent it to a collections agency and placed a negative mark on my credit requesting {$4500.00}. I've disputed this with XXXX  in XX/XX/XXXX, the collections agency ( Southwest Recovery ) in XX/XX/XXXX, and now recently directly with the property management company XX/XX/XXXX and XX/XX/XXXX. This was clearly a bad business practice that their account manager, XXXX XXXX admits. She said the policy was changed as a result of many of these types of mishaps and they now require both signatures. According to Sec 94.053 both tenant and landlord must sign the lease and in Sec 94.055 it states if you they don't receive any communication from the tenant, then the renewal could be modified if the tenant remains on the property. Their renewal even states that the renewal must be signed by the tenant. If I was the tenant, then why was I not required to sign it? The Texas Property code doesnt say the property management has the right to renew a lease without the signature of the tenant but it does allow you to modify the renewal ( change rent, etc. )
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

We have a bogus {$610.00} charge dated XX/XX/19 from the XXXX on our Citi AAdvantage Credit Card.

Citi refuses to remove to remove the charge until investigated, usually 3 billing cycles. In the meantime, I must pay it. I thought the usual policy was to remove the charge until resolved.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I check my credit twice a month. And I noticed my balance jumped from XXXX to XXXX dollars. And Ive been XXXX for over 9 years with no school activity or anything. How is it this debt has doubled all of a sudden. Which has made my credit score decrease. Please help. I made a report of identification theft with someone calling my phone and I gave up my social security number over the phone. So I hope this has nothing to do with it.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, Experian and XXXX.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I use money gram to send my {$300.00} a month mortgage payment. But on XX/XX/2019 my monthly payment was sent for {$1100.00} which was an amount greater than I normally send. Since this day I have disputed with Money Gram and they refuse to send me back my money. I have disputed with my bank and then nothing happens. I have been the victim of identity theft and I did not authorize for this amount to be taken from my bank account and it should not take 6 months to get things squared away. Please return my money. I have attached my FTC Affidavit and police report
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Carter-Young, Inc. (TN)

XXXX is reporting a debt owed to the collection agency carter-young for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to Carter-Young collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX XXXX courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation.