davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice I have an account that's too old and I want that account to be remove from my credit report. Please remove XXXX XX/XX/2006 ( 12 years ) from my credit report.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX XXXX XXXX XX/XX/XXXX ( 12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
Consumer complaint received 2016-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.
Consumer complaint received 2018-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (NM)

Complaint is regarding Idaho Housing, XXXX XXXX relating to incident occurring in XX/XX/XXXX and remains ongoing with no updates to a resolution. 

Preliminary : XXXX XXXX XXXX was moving its business out of state and I needed to find new home owner 's insurance by XX/XX/XXXX. 

I found two homeowner 's insurance companies, XXXX ( XXXX XXXX XXXX ) and XXXX. I opted for XXXX insurance which was finalized through intermediary, XXXX XXXX XXXX company and it was billed to my escrow account with Idaho Housing. Billing amount with XXXX was for {$630.00} in XX/XX/XXXX. 

For another reason XXXX was also processed and billed to escrow for {$1000.00} in XX/XX/XXXX. Another duplicate billing for an amount of {$1000.00} was done in XX/XX/XXXX. I am assuming this is for the same homeowner 's insurance amount for XXXX. 

It is understandable that I should have only {$630.00} and {$1000.00} billed to escrow. The {$1000.00} was reimbursed by XXXX via check, which was deposited into my checking account. I have yet to trasfer the {$1000.00} to my escrow. However, the main inquiring of concern is regarding the other duplicate amount of {$1000.00} dated XX/XX/XXXX, which needs to be reviewed further for additional clarification. 

Additionally, back in XX/XX/XXXX I was terminated from my employer and I attempted to reach out to Idaho Housing for additional assistance for my mortgage. Idaho Housing representatives stated to me that due to my loan being less than one year Idaho Housing could not be of assistance. I also want to make sure that at the time of contact, Idaho Housing was following FHA Servicing Guidelines and Regulations regarding my attempt to explore workout options. 

I was in contact with Idaho Housing call center representatives with no timely success to my problem that has arisen with the company regarding my homeowner 's insurance. 

XXXX and XXXX are not the focus of attention- resolutions were made with both companies. No documentation needs to be shared with XXXX, XXXX XXXX, or XXXX.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX  XXXX XXXX XX/XX/XXXX (  12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (VA)

I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA
Consumer complaint received 2017-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

I requested a payment deferral in XXXX via phone call with Chase Auto Finance and during the call they had stated they would contact me if it was not approved. I had requested a payment deferral of 2 months. I check my account online and am not provided with paper statements. On my online account, the account did not appear to be past due during the time since I submitted this request. I have not received any communication from Chase Auto Finance stating that my payment deferral request was denied. 

This morning, Chase repossessed my car without notice. They do not have the correct phone number for me in this account, and have stated that my correct phone number is listed as on a do not contact number. My Chase Bank account does appear to have the correct phone number listed for me. I have received no communication from Chase that my account was in a past due status. 

I have requested to resolve the account issue by bringing the account current. They have stated that I need to pay the loan balance in full. I am also being required to pay repossession and storage fees of approximately {$500.00}.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. 

Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. 

After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. 

Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. 

I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.
Consumer complaint received 2018-06-09
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. (WV)

There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

Overview : Purchased a diamond Ring from XXXX XXXX on XX/XX/XXXX for XXXX. I was told and I reconfirmed that there will be NO interest charges for 12 months on this sale. My first statement with closing date XX/XX/XXXX was with no interest charges. However on my second statement ( Closing Date XX/XX/XXXX ) XXXX XXXX charged me 26.99 % interest charge on my balance. 

Details 1. XX/XX/XXXX/Original purchase {$1400.00} 2. First Statement ( closing date XX/XX/XXXX ) - No Interest 3. Payment {$120.00} credited 4.  Second Statement ( closing date XX/XX/XXXX ) with 26.99 % on balance Contacted customer service on XX/XX/XXXX but no resolution.
Consumer complaint received 2018-06-09
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. (WV)

There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill
Consumer complaint received 2017-12-01
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 (TX)

Several months ago, I filed disputes for several charges on my XXXX XXXX credit card for the following companies : XXXX for {$1300.00} and XXXX XXXX for {$1000.00}. After the last time I contacted your agency, XXXX XXXX opened the disputes and provided provisional credit to my account. I would like someone to communicate the status of my disputes transactions with XXXX and XXXX XXXX. I would like to know the status on these refunds and when can we expect a resolution?
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I had a Bloomingdales charge card since XX/XX/XXXX. They never sent statements or alert via email or mail. In XX/XX/XXXX, I had a balance of {$11.00}. Bloomingdales still did not send me alert via email or mail and quietly charge me late fees. When I found out this issue in months, the total balance has reached almost {$200.00}. I called Bloomingdales to resolve this problem. I offered to pay the original balance {$11.00} but they insisted that I paid all fees. I believe this is not my problem. If they had alerted me via email or mail, I would have paid off that {$11.00}. All other credit cards I use send regular reminders via email or mail to alert customers about pending balance. I believe Bloomingdales ' insufficient service caused this late fee and thus should be removed.
Consumer complaint received 2018-01-08
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. (GA)

I have reached out to chase who has responded, however XXXX, XXXX and XXXX still reports fraudulent inquiries from a chase account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I am missing a credit card from XXXX XXXX on my XXXX  report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with EXPERIAN not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.
Consumer complaint received 2024-01-31
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. (FL)

In accordance with the Fair Credit Reporting act 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 2018-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (TX)

I was a customer for XXXX. I had one open line for service. Every time the bill is mailed they always went up on my bill never told me just keep adding other charges that i never set up with them. the debt collectors would harass me every time calling by different numbers and being rude.
Consumer complaint received 2018-01-08
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. (GA)

I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. this inquiry is from XX/XX/2017. I do recognize one inquiry from the same company which was on XX/XX/2017, which i now have an account under. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry from XX/XX/2017, removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bass & Associates, P.C., Attorneys at Law (CA)

I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. 
I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. 
Please Can you help me
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I deposted XXXX XXXXitcoins ( ~ {$90000.00} ) worth from an external wallet to XXXX ( Coinbase 's trading platform ), and I got an email from Coinbase saying they received it.

Then, I get consecutive emails of them saying I have to move it from Coinbase to their trading platform manually. Finally, a last email saying they 've actually moved it to the exchange for me so I can trade it. 

It 's nowhere to be found. It 's still pending. What should be an instant transfer is not going through and nowhere to be found. 

It 's like moving money from your Checking account to your Savings account and not finding it anywhere.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CT)

I am two payments behind on a mortgage on a 3 family house, but have otherwise been paying.

Seterus ' representative was taking pictures of my house and actively engaged my tenants in conversation. They willfully lied to my tenants telling them they should get out immediately because the house was being foreclosed upon ( not true ).

Seterus is NOT helping mortgage customers, but actively CAUSING financial hardship and foreclosure by encouraging my paying tenants to leave - by LYING to them!

Loan sharks have more subtle methods.

Their tactics are totally ILLEGAL. 

They need to be fined. 

Insane!
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

I have an account with Chase XXXX and an agreed upon interest rate of 8.99 %. I have had this account since 2005, without a single late payment. I received a letter telling me that my interest rate has been raised to 14.99 %, violating the terms of my contract with them.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal credit report.
Consumer complaint received 2017-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.