davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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. (FL)

My name is XXXX XXXX. Experian is inaccurately reporting a {$11000.00} XXXX charged off account on my credit report. The account number is # XXXX and I have been disputing this account for months because it is not mine. In XX/XX/2017, XXXX removed this from my report because they verified it was not my account. How can it be possible, almost 9 months later, for Experian to come back and still say this account has been verified when it is no longer reporting on XXXX  and never on XXXX? I'm sending the same dispute for the same account with the same creditor. I have already called and spoken to representatives at XXXX and it turns out that the personal information on this account does not match mine besides a very similar sounding name. The representatives weren't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to have this account deleted from my credit. I am being given the runaround when the fault is really with Experian and they are refusing to correct their mistake. This is why I am filing this complaint. Please see the attached confirmation letter from XXXX confirming this account was deleted from my credit.
Consumer complaint received 2018-01-05
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: AMERICAN EXPRESS COMPANY (MT)

I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.
Consumer complaint received 2021-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to XXXX, XXXX and TransUnion because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with XXXX on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I am very behind in my payments to my mortgage holder, Ditech Financial. Three weeks ago I spoke to my Account Representative who said she was sending me a  modification package. She added that I could always reach her by using her extension. I called the next day, and she no longer works in that capacity. Now I have a new Rep who, after calling and asking to speak to him, does n't return calls. And I have not received the modification package, though I 've called several times to demand it. Ditech sent me a Notice of Default and Intent to Accelerate on XXXX, and I believe they 're stalling so they can foreclose on my. I have gone to friends for a loan to cover the huge arrears ( {$33000.00} ) and I 'll have it by the end of XXXX. Ditech in any case would love to declare a foreclosure because then their lawyers, with the push of a button, charge several XXXX dollars to the paperwork, which is all boilerplate. Please help. I 'm attached everything I think you would need to approach them for a dispensation on the foreclosure.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I started a new checking account with the Chase Bank located at : XXXX XXXX XXXX XXXX ; XXXX, FL XXXX on XXXX XXXX, XXXX depositing {$2800.00}. On XXXX XXXX I also deposited a business check into this " new '' account in the amount of {$1500.00}. On XXXX XXXX I received a letter/note from the bank that one of the deposited checks in the amount of {$1800.00} was " returned '' to the bank. This was not my check but a check given to me by a company named : XXXX XXXX, located in XXXX, NJ. Not to my knowledge ... this check was fraudulent. The bank charged back my account the {$1800.00} and added a " returned fee '' of {$12.00} against my new checking account. This left a balance of {$2400.00}. I received a call from the bank on XXXX the XXXX stating that my new checking account was to be closed because I was a new customer and there was a returned check already on my account. I was out of state at that time and returned 2 days later. XXXX XXXX : I went to the bank to inquire the current status of my checking account and was told by XXXX XXXX XXXX that my account was closed. I asked why and XXXX XXXX stated because the account was new and there was a check deposit which was returned, it was decided to close-out the account. I was not happy with that decision as I am a XXXX year old individual and wanted to bank at this Chase location because of its close proximity to my XXXX home. But no luck-the account was closed! I requested my balance of {$2400.00} and was told no! as it would be processed and mailed to me. I was angry : WHY? when the new account was closed ; and now my money is not available to me? So XXXX XXXX referred me to the bank Branch Manager : XXXX XXXX XXXX who came over to XXXX XXXX ' desk and when I told her I was unhappy with the bank 's decision to close my account ... that I would file a complaint. XXXX XXXX stated that she " would not talk to me ; not explain why I could not immediately receive my money '' because, as she said : " I was going to the authorities or social media '' and she left me alone with XXXX XXXX ... never hearing or answering my simple questions. My complaint is the attitude of the employees of Chase, especially the Branch Manager and that my NEW cheking account was closed and I still do not have access to my money.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

I was involved in a really bad car accident and I was in XXXX  for XXXX  months I had to learn how to walk and do everyday life skills all over again during this time. Someone had got my information out of my purse which was inside of a wrecked car at a towing pound yard they decided to live their best life as me they started writing fraudulent checks doing all kinds of stuff on my account well my parents couldn't do anything about it because I didn't have a power of attorney at the time and whenever I did the original dispute they denied it because I didn't have a list of the transactions well I didn't know the transactions I just put from a you know the time I was in XXXX  the time I accident the time I got released from the hospital and so I peeled that situation and got a letter back probably a year later stating that those the charges were fraudulent and that I'm not held responsible well then I had to go through with dealing with XXXX XXXX  and I got that all completed now this is over to your time. I go to open they finally let me open up an account at Navy Federal credit Union which I've been a member since XXXX so I didn't want to lose that banking relationship with them when I go to open up my account everything was fine I go into the branch to pick up my debit card a week later and they tell me I have a charge off account and they're going to hold everything on the account mind you I've been battling this out with him for XXXX  years and finally I get a letter in the mail last year in XXXX of XXXX saying that I was not held responsible for these charges now they're telling me that it's back on my account and they have it as a deposits only account please help me solve this issue I've been going through for XXXX years with him
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

In XX/XX/2018, I asked Citi Bank to fix the problem of it charging me $ XXXX monthly service fee on my checking account. They said that they converted the account to one without a monthly service fee. However, they never converted it and continued to charge the monthly service fee. When I called today, they said that the conversion just didn't go through and they need to get a branch to approve. Then they said that a customer service representative held the conversion from going through with no explanation. I fear that they never did anything and hoped that I wouldn't notice the $ XXXX monthly service fee.
Consumer complaint received 2018-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report. I have contacted Transunion and XXXX to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled, Transunion and XXXX advised me that I had to contact the XXXX XXXX to resolve this issue.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

XXXX XXXX XXXX ( later named XXXX XXXX XXXX ) transferred my loan to a different servicer, Heartland XXXX. I was not notified of the transition in any way before it happened. How I found out was by receiving a notice in the mail that payment was overdue on my account! On the day after I received that notice ( on XXXX XXXX, XXXX XXXX, I received an email from XXXX XXXX XXXX saying that " as of XXXX/XXXX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ) ''. The date referenced, XXXX/XXXX/XXXX is wrong, because Heartland XXXX began requiring payments from me before XXXX/XXXX/XXXX, but I had no way of knowing that. 

Moreover, XXXX twice charged me a {$1.00} payment fee for one time payments. They do n't charge any fee for automatic payment, but first auto payment by enrolling would have been after the due date for the bill. So I had to pay the payment fee for one time payments. I should n't have to pay that fee since I was already enrolled in automatic payment with the previous servicer. Why should I be forced to pay new fees because my servicer changed?
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but XXXX. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I took out a title loan on my XXXX XXXX XXXX on XX/XX/XXXX. The loan was for {$6800.00}. I have made the following payments to Title Max XX/XX/XXXX {$890.00}, XX/XX/XXXX {$880.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$2100.00}, XX/XX/XXXX {$1700.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$1000.00}. 

I was told that I still have a balance of {$4100.00} as of today XX/XX/XXXX. My truck has been repossessed twice and I have paid what they asked for. It is the only vehicle I have. From my understanding when they closed Title Max in CA they were going to stop the interest on all CA loans. I have paid {$12000.00} and I still have a balance? This just seems impossible. This has been a nightmare for me! Can you please help me solve this issue. I was told that I am only able to make {$1000.00} payments because of my bad payment history with them. Is this legal? Thank you!
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX leave XX/XX/XXXX 2018 and will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I'm a traveling XXXX XXXX  working COVID-19 and have been for a year. XXXX XXXX closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have autopsy setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact XXXX  owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (AZ)

They call me at least 4 times a day regarding a past due XXXX XXXX bill. I am uncertain how I have accumulated debt with XXXX XXXX as I paid all fees prior to termination. When I attempt to answer the phone there is no one there. They have never left a message or sent a physical bill in the mail.
Consumer complaint received 2016-09-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit has placed XXXX on my credit files stating I opened an account on XX/XX/2019. I have not signed any contract with this company. The have no proof or signed documents between me and them. I would like proof I owe them XXXX since 2019. I never signed for this account with their company therefore its not mine. Please provide proof or remove from ALL 3 Credit bureaus