davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (GA)

last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. navient and the us dept of education has XXXX out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for 100percent XXXX and XXXX  XXXX veterans like myself
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation (OH)

On XX/XX/21 at XXXX I received a phone call on my cell phone from XXXX XXXX XXXX XXXX XXXX. After answering the phone the representative asked to speak with XXXX. I advised the representative they had the wrong person and phone and do not call my phone again. At XXXX I called the number back and spoke with a male representative that provided the name of Indebted and advised they were a debt collection agency. When I asked what company does Indebted collect for, he said he couldn't give out anyone 's information or any information without me giving him my phone number. Feeling uneasy about the call as my phone number and other personal identifiable information has already been found on the dark web I called back. On the second call I got a female representative who also advised she couldn't tell me the company they collect for or make sure my number and name was not on their call list without me providing them with that information and advised me I was calling in to a call center. On XX/XX/21 my chapter XXXX bankruptcy that included all of my creditors was closed, my number has already placed on the National Do Not Call registery and I also registered my cell phone IMEI to not be tracked using GPS tracking.
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a creditor of XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.
Consumer complaint received 2021-05-04
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. (TX)

fcra not mine : see attachments for proof : XXXX XXXX  XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MN)

XX/XX/2020 doing Covid relief.. credit acceptance who I purchase my vehicle through. They had a XXXX relief program to where your car got under the program due to XXXX XXXX it was said to stop making payments on vehicle, no interest will be added or nothing or late payments will be reported to credit bureau XXXX XXXX on credit. Instead they have been reporting everything and late payments with high interest rates to my credit knowing the vehicle was in XXXX program and now its on my credit XXXX years straight late payments and interest rates and now looking like I never paid them a dime towards vehicle. And still got vehicle making payments but credit messed up and they will not remove it or fix anything saying they apologize it has to stay like that.
Consumer complaint received 2021-11-03
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. (KS)

Hello, Experian is showing 1 student loan on my credit report. 3 credit cards. I actually have 4 student loans and 3 credit card accts, for a total of 7 accounts. On XX/XX/XXXX Experian ( closed 2 of my XXXX, XXXX XXXX XXXX XXXX  accts ) decreasing my score by XXXX. These XXXX XXXX XXXX XXXX  accts are " Installment Loans '' and are suppose to be listed on my credit report. On XX/XX/XXXX I filed a dispute with Experian. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. I called Experian, mentioned my dispute regarding my accts closed, asked why my loans were closed. CSR said they're not showing closed. I explained they're obviously closed on my end, that's why I'm calling. Tried to dispute online, it wouldn't allow another dispute regarding the same matter. XX/XX/XXXX my score was decreased again by XXXX. So, I sent paperwork ( certified ) on XX/XX/XXXX to dispute this incorrect information regarding my 2 XXXX XXXX XXXX XXXX  ( XX/XX/XXXX deferred ), are deferred ; however, I've still been paying them monthly. They have decreased by score a total of XXXX by closing my 2 XXXX XXXX XXXX XXXX  ( Installment loans ) accts Experian has decreased my years of credit history for my XXXX Dept of XXXX XXXX XXXX XXXX XXXX  ; therefore, decreasing my actual score. As of XX/XX/XXXX, Experian disputes are done. Nothing has been added! My credit report still reflects only 1 student loan and 3 credit cards, 4 accts when I actually have 4 student loans and 3 credit cards for a total of 7 accts. I talked to a CSR at Experian today, XX/XX/XXXX, I asked why my Direct XXXX XXXX XXXX were closed, she said, She sees only 2 loans. She said, Experian is reporting what XXXX is sending them. She didnt go any further with my other 2 loans not being on my report. I told her I'm paying all 4 of my loans monthly. Obviously, I know how many loans I have. I called XXXX, the CSR said there were no disputes through Experian in their system. She said, they are reporting every month and all of my loans are open not closed. XXXX, XXXX, XXXX are showing all of my loans open as well. Experian Dispute Report # 's, XXXX, XXXX, XXXX.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, the plaintiff ( XXXX XXXX XXXX XXXX  ), voluntary dismissed the writ of garnishment Order. See attached herein. I contacted the garnishee ( JPMorgan Chase ), and provided the same. Chase is currently holding the amount of {$400.00} and are refusing to release. The dismissal of the garnishment is clear and in plain legal language. See paragraph 2 ) " Garnishee is directed to release any and all funds withheld to the Defendant or to the Defendant 's account and/or release any and all holds on any and all safe deposit box '' The dismissal of the writ was provided to Chase legal counsel on XX/XX/2019, yet Mr. XXXX XXXX failed to abide by the Order. See certificate of Service, the document was served via email.
Consumer complaint received 2018-02-06
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 (NJ)

Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2021-05-04
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. (FL)

I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time. 
- XXXX
Consumer complaint received 2023-03-24
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. (NY)

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX account, XXXX is reporting my 30 days late on XX/XX/XXXX while Experian and XXXX are not. Experian is reporting me 30 days late on XX/XX/XXXX while XXXX and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. 

These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. 

The accounts to removed are as follows : 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
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (IN)

On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

This account was placed on my credit report in XXXX. Since this alleged debt has been on my credit report, I have been homeless 3 times because I can not find adequate housing. Then when it is time to find another home its almost impossible. I have been denied form or passed over for at least 50 apartment homes in the past 6 years. I contacted the CRAs as well as National Credit System in XX/XX/XXXX. I was told the debt was investigated and came back as valid, although 15 usc 1681a ( e ) says to investigate any alleged debt, they would have needed to interview my friends and neighbors ( they did not ). On XX/XX/XXXX I sent National Credit System an affidavit of truth, they never rebutted or responded to the affidavit. I noticed that it was still on my credit report so on XX/XX/XXXX I sent a cease-and-desist letter, still not response or removal. I need help National Credit System is ruining my life!
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (WI)

I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my XXXX/XXXX  account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.
Consumer complaint received 2022-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I noticed that my federal direct loans are listed as having a grace period from XX/XX/XXXX until XX/XX/XXXX. Since the maximum forbearance length is 3 years total, and I was not enrolled in school and I was not in default during that time, I would like to know if Nelnet possibly has inaccurate information on file for those loans which could affect my length of repayment towards Income Based Repayment ( IBR ). The code they are using for grace period is associated with a 6 month period of time between repayment statuses so it doesn't make sense at all that I was in forbearance for 6 years and 3 months. 

I emailed and spoke to a customer service representative at Nelnet, who said they " had never seen that before '' and that it " should '' be counted towards the 25 years of payments for loan forgiveness, however he could not confirm that this was the case after over 1.5 hours on the call. I am concerned that Nelnet mishandled my payment records and that I will potentially lose out on 75 months of qualifying payments towards my 25 year cap for student loans on IBR payments.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

I was at the end of my 2-year contract with XXXX XXXX , I told them I didn't want to commit to another contract, I would pay month by month, since i had them for a while already, after one month they told me I must sign a contract. I refused and returned their equipment in the box they sent me. It took six months for them to remove that from the bill, I was willing to pay one month 's usage, but refused to pay an earlier contract fee. My 2-year contract ended XXXX.
Consumer complaint received 2024-03-08
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: CITIBANK, N.A. (NJ)

Citibank advertised the following on its Citi Double Cash offering : " Low intro APR on purchases & balance transfers. '' And right after, it reads : " XXXX XXXX Intro APR for XXXX months on balance transfers ; after that, the variable APR will be XXXX XXXX XXXX XXXX XXXX based on your creditworthiness '' This is misleading, and possibly fraudulent, advertisement of its product. I have taken a picture of this offer, which is still visible on Citi 's website at XXXX XXXX XXXXciti.XXXXXXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a compliance issue regarding the failure to remove fraudulent accounts from my credit report, despite confirmation from the respective banks over the phone. XXXX has already completed their report by removing the fraudulent accounts. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX Bank of America XXXX XXXX XXXX i never received XXXX credit card was applied for using my XXXX XXXX that i did not create. 

XXXX XXXX  ''XXXX  '' XXXX credit card i did not apply for and was un aware of.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I added a new bank account to the auto pay of my Amex XXXX XXXX everyday card on XX/XX/2022. They didn't proceed my payment and hit me with a late fee. I used online chat and made a one time payment and they waived my late fee. A few days later I was hit with an interest charge. Used online chat again. After a few confusing rounds they told me they couldn't waive the payment. Reason being that they already waived the late fee. They also admitted that the app and auto pay features was a " work-in-progress ''. That led to the fees and the waste of time trying to resolve this.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

EXPERIAN continues to report invalid data on credit report in reference to XXXX Loans. There are the following invalid error late payments being reported. Please remove the following invalid late pays XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 90 day late.