davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Navient Told me I as in the program to work towards Public Service Forgiveness. I've been paying for 4years and recently found out it was all a lie. And I have to sign up for other program and start the " 10 years all over ....
Consumer complaint received 2018-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC (CT)

XX/XX/2018. This is the third time that I have been contacted by Bankers Healthcare Group to take out a loan with them. It includes a card and a personal site that obviously could be used in identity theft if anyone else received it by mistake. I have written to them last month and the month before, demanding that they stop sending these cards. Their " President '' is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. Please stop them from sending unwanted loan offers.
Consumer complaint received 2018-07-08
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: EQUIFAX, INC. (FL)

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

Im using chime the Internet bank and have had no problems for almost 2 years that Ive been using it. I changed states at my job and became employee versus a contract with but with the same employer so no change in the information provided to time and information coming from my employer. Recently they change their gas authentication verification engine from plaid to atom and now my direct deposit which was issued on XX/XX/XXXX and usually shows up to days early so I would have shown up on XX/XX/XXXX has not shown up yet and its now almost a week later. Every time I call I get the runaround It is still processing and we cant tell you anything about it. And they also its allude to the fact that I need to verify information on my side which Ive done and there has been no change on my side or with my employer.
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

On XX/XX/2019 after experiencing a reduction of income and continued financial hardship from my trucking company, I contacted Freedom Mortgage Corporation located XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX in effort to seek mortgage assistance in the form of a loan modification or any other available relief. I completed the entire hardship packet which included IRS Form 4506-T ( allows us to verify tax return information if necessary ) Borrower ( s ) Financial Report Hardship Letter Brief explanation of reason for the hardship ( such as : illness or job loss ) signed and dated A current year profit and loss statement - signed and dated Checking and savings account statements for the past ( 2 ) months, both personal and business - include all pages Most recent business tax returns that are complete with all schedules and attachments. 
Since then I have continued to submit and resubmit the documents repeatedly, soon thereafter, I received notification my loan has been moved to the foreclosure department. I was told verbally in XXXX my loan modification was approved and to await the terms in the mail. After a few weeks of not receiving the packet, I contacted Freedom Mortgage and was advised my loan was NEVER approved nor has it been underwritten yet. 
Please assist me as I am in jeopardy of losing my home during this pandemic, Freedom Mortgage Corporation is practicing unfair lending practices in order to facilitate me becoming homeless, they have loss paperwork that I uploaded onto the website, I have had to re-submit documents several times, I have been very cooperative and readily available to speak to the loan processor and underwriters. 
I have a right as a homeowner to seek mortgage assistance from my lender when I experience a hardship, prior to this unprecedentedI paid my mortgage in a timely manner. I would like your assistance in procuring a loan modification so I can retain ownership of my home. The staff at Freedom Mortgage Corporation are unwilling to assist borrowers in retaining ownership of their homes, there have been several complaints filed against them due to these predatory lending practices. I would like to remain in my home and I will be able to pay my payments in a timely fashion.
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation (GA)

You've 1 dishonored violated 15 USC 1692c ( c ) by RESPONDING TO THE C & D INCORRECTLY. YOU THEN SENT A PAYMENT HISTORY OF NOTHING. YOU THEN LIED ABOUT AN COLLECTION AGENCY UNDER FEDERAL LAW. I HIGHLIGHED EVERY VIOLATION YOU BROKE UNDER THE FDCPA WITH THE USC. NOW NEXT TIME YOU VIOLATE AGAIN & NOT GIVE ME WHAT I ASKED FOR I WILL PROCEED WITH A FEDERAL COURT COMPLAINT. IF THE ACCOUNT IS CHARGED OFF THAT MEANS IYT WAS PAID IN FULL.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022, I applied for a Chase XXXX XXXX credit card via the Chase website. 
I had been forwarded by the XXXX XXXX website to the Chase website to take advantage of the following offer for initiating a new credit card with Chase. 
The offer was : Earn {$250.00} statement credit and XXXX XXXX XXXX XXXX.It also stated Earn a {$250.00} statement credit after your first purchase. Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first three months your account is open. 
Today is XX/XX/2022, and having purchased the sum of {$2000.00} to satisfy the terms of the offer made to me, I contacted Chase Credit Card services to verify my purchase totals, and asked when and how my {$250.00} credit statement would be processed. 
The customer service representative stated that according to Chase, I was enrolled in a credit card offer of spend {$3000.00} and receive XXXX bonus miles within the 3 month period. The representative said they could not honor my original offer from Chase, even though I have documentation reflecting Chase 's offer and accepting my credit application. 
Now my {$2000.00} purchases entitle me to nothing as I not able to purchase up to Chase 's requirement of {$3000.00}. 
THIS APPEARS TO BE THE CLASSIC BAIT AND SWITCH TACTIC. 
Chase has earned $ $ $ revenue from merchants from my purchases. 

I want Chase to honor the conditions of my approved application and provide compensation for me having force Chase to honor their approval of the terms of my application. 

I am willing to provide supporting documentation which reflects the conditions of my application HOW MAY OTHERS CHASE APPLICANTS HAVE BEEN BAIT AND SWITCHED???
Consumer complaint received 2022-10-06
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: Convergent Resources, Inc. (LA)

I contacted XXXX XXXX and explained to them that the account did not belong to me. It was removed from my XXXX but its still on my XXXX  and XXXX report. I've tried to resolve this issue. But that account is not mine.
Consumer complaint received 2022-10-06
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I bought Merchandise from XXXX and XXXX! Located here in XXXX OH! I returned the Merchandise ( Shoes ) back to the local Stores and was credited between XXXX and XXXX approximately XXXX $ from XXXX  and approximately XXXX $ from XXXX back to my Chime Debit Card! 

Couple Days before XX/XX/22 I received an email to provide Documentation, that I was the original Buyer of the returned Items! Account was suspended by Chime on XX/XX/22! 

I emailed on XX/XX/22 to XXXX documents from my XXXX account to support my Purchases! I was asked again by Chime Days later to send receipt about my XXXX Purchases! 
Emailed on XX/XX/22 9 to 10 emails to XXXX and since then, heard a word back! 

Called 20 to 30 Times to speak to Supervisors, escalated my concern, nothing was done! Account still suspended with XXXX $ on the account! Either they lift the Suspension or close my Account! I want my money out of my Account!
Consumer complaint received 2018-07-09
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. (AZ)

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX Bank, XX/XX/2018, XXXX XXXX XXXX XXXX, XXXX Card, XX/XX/2018, XXXX XXXX Bank Texas, XX/XX/2018, XXXX Card, XX/XX/2018.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Hello, this is an update to the existing complaint XXXX. 
Currently Chase is forcing me to take a check as opposed to the ACH. They can not make it work ... See past claims. 
Now ... they are working on a check ... i really dont want to go to deposit it once i receive it .... 
Worst Part, they have changed my mailing address to a place i do not reside at. ( USPS apparently gave them the incorrect address ... but who asked? ) no idea where the check is at, and Chase is not cooperating. 
This is theft for {$4200.00}. 
There is no mistake about this. THEFT
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation (MO)

I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission.

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had a credit with Toyota Financial Services where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, Including XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from Toyota Financial services even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from Toyota Financial Services and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because Toyota specifically told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MA)

I close out an account with XXXX auto insurance due to the misrepresentation, high fees, hidden charges, lack of over all integrity in proper clear communication with consumers. 

The account was closed timely- with non existing contract- zero balance. 

It disturbing to encounter that XXXX auto insurance company is coming after me for monies I DO NOT OWE. 

Extremely dissasified with their services policy ect.
Consumer complaint received 2021-05-23
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. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WV)

XXXX 2016, Navient incorrectly reported a 90-day late to each credit bureau 4 times for the loans consolidated with their one company. I 've asked that they correct this or give a valid explanation, but they refused on both occasions.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (RI)

I have not supplied proof under one doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Consumer complaint received 2020-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

One student loan was transferred to AES/PHEAA in XXXX, in the amount of {$33000.00} ( see attached ). Over the years AES reporting became inaccurate and loan was duplicated within the AES account. I have tried repeatedly to have the duplicated loan removed. My latest efforts began again in XXXX, XXXX. ( see attached ). I was initially assured the duplicate would be removed within 10 days. This has not happened. I contacted two PHEAA Executives, AES customer service, the AES Omnbudsman, and the Federal Ombudsman with no success. In a more egregious foul-up AES/PHEAA just QUADRUPLED the amount allegedly owed and reported same to the credit reporting agencies ( see attache ) so the amount owed now shows as $ XXXX plus. I want the account audited, the duplicate amounts removed, and credit for any incorrect interest charged, and for any payments made.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDIT ACCEPTANCE CORPORAT with no successful resolution.  XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IN)

I became aware of a problem when I discovered my XXXX score had been lowered by several points by XXXX. Supposedly XXXX was made aware of an application for a credit card by Barclays. Upon doing some checking I learned that Barclays is the company that issues credit cards for XXXX XXXX. I do not shop at XXXX XXXX and have never applied for a credit card with them. 

When attempting to contact Barclays and XXXX XXXX by telephone, I could not make any progress because, since I did not have an account number to give them, they did not seem to want to accept my call. Very frustrating. 

I more or less dropped the ball on this and didn't make further attempts. Then today I received an email from another company I had never heard of, XXXX, informing me they had received a credit card application from me. I immediately called their office and was able to get that application halted and made them aware I had not made the request. 

Because of this second attempt to get credit in my name I decided I must get the the bottom of the first attempt at credit fraud and XXXX is telling me I must file a report with your agency and go through the channels to get this error removed from my credit report. 

XXXX has now placed a credit freeze on my account with all three agencies, however, to get my XXXX score back to what it had been, I have been told I must file a report with your agency. Your help will be greatly appreciated.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

On this date XX/XX/2022 I received a court summons indicating midland funding 's, llc has filed a lawsuit against me. 

After looking at the complaint and the documents I see that the plaintiff is attempting to file a lawsuit against me for a debt that does not belong to me. They did not include copies of the signed credit application. 

I'm not sure what to do about this.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (IN)

XXXX XXXX closed my credit card account with NO NOTICE. I paid the balance off XX/XX/XXXX and now I wanted to use it XX/XX/XXXX and they closed the account. When I called they said due to inactivity??? It hasnt even been a year? They also said they can't reinstate!!!! This made my credit score go WAY down!!!
Consumer complaint received 2022-01-07
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. (MD)

Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa
Consumer complaint received 2022-10-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT CONCEPTS, INC. (AR)

Letters were sent to the 3 credit bureaus on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 I received notification this was deleted from my credit report, yet it still remains.
Consumer complaint received 2018-03-28
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 (IL)

3 inquiries were done by Capital One Auto Finance on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I recently discovered the unrecognizable Inquiries on my credit report and called the number listed on my credit file ( XXXX ). They answered and told me to call XXXX. I called XXXX  and they stated I needed to call them to get a letter of deletion and I told the XXXX rep that I already called and they didnt have the proper information to verify the inquiry. The XXXX rep told me to file a complaint.