davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

Hi, This is in regards to my Comenity Bank XXXX XXXX Credit Card. They closed my account in XXXX without telling me because of inactivity but I had made several large purchases on the account between XXXX of about XXXX. These charges went through and I paid them in full. I received statements that I paid through XXXX. I only used the card to make these purchases to earn rewards. I had accumulated {$800.00} in rewards. When I tried to retrieve the rewards I was told that my account was shut down and there was nothing I could do. I have been escalating this within the company with several employees with no resolution since end of XXXX XXXX. Ive been repeatedly blown off. I just received another message via twitter that they have my dispute and it could be another 60-90 days to make a decision. This is unacceptable.
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OK)

Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IN)

I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time XXXX has said the company that provided them with the information has verified the data. Even though Discover has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is DISCOVER BANK. XXXX and XXXX are not reporting this account XXXX continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted Discover Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did XXXX verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue XXXX for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,
Consumer complaint received 2022-04-06
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. (NM)

There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties.

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

I made a payment from Chase mobile app to my Chase XXXX credit card via the Chase.com app as i do every month. Every other time for years it posted immediately so I didn't worry about making the payment on the due date. This particular time, the payment didn't post for 3 days, they not only billed me a late fee but reported me 30 days late to my personal credit bureau. When I called while the payment was processing, a representative advised that they see the error and to call back once the payment is posted so they can fix it in their system and on my credit report. A few days later when I called back, the representative advised me that they don't have to respond to my alleged banking regulation error because they offer multiple ways to pay my bill. I asked them to open a case to research it as the previous representative acknowledged the error but was denied and they said they don't do that. This is a clear disregard for banking regulations and Chase should be fined whatever the maximum fine is as they blatantly disregard the laws and don't even attempt to remediate or research errors.
Consumer complaint received 2019-11-05
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. (RI)

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my Transunion and XX/XX/XXXXcredit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX   account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Consumer complaint received 2019-11-05
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. (RI)

My previous complaint number was XXXX ( with current servicer XXXX XXXX ).  however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX  and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX  XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

OnXX/XX/2018, I opened an account with Capital One Auto Financed. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and Capital One left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (MS)

Opened accounts this yr, unable to get info on phone or by app. Teller distespectfull, balances hidden and charge 4 overdraft fees over 4 charges that had positive balances XXXX to XXXX only last three, I do not plan on paying they could not treat customer right and insinuate would steal from a safe box, as a CEO at the bank past 6 months, or something about mating it..the ladies are crooks and liers.i want this record erased. XXXX. XXXX died he ran XXXX XXXX  but they say the got him I knew him but I'm not going to be bossed here.
Consumer complaint received 2017-11-06
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. (CA)

I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.
Consumer complaint received 2018-04-05
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: EQUIFAX, INC. (CA)

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, Nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX late Payments inaccurate, please delete this history
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2019-11-05
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. (OH)

In XX/XX/XXXX when there were fraudulent charges put onto 2 of my credit cards. They closed both of these cards, sent me new cards and told me they were going to dispute the fraudulent charges on both of these cards. Because of the fraudulent charges, they did a Security Closure on both of these cards in XX/XX/XXXX. For CC ending in # XXXX, I was never liable/accountable for these charges/fees in XX/XX/XXXX since they were fraudulent ( XXXX charges ), but it shows that I was past due on this account in XX/XX/XXXX and is affecting my credit score at all 3 bureaus. In XX/XX/XXXX, all Late Fees and Charges on the card were credited and a note was added on the statement that it was due to fraudulent charges. Im not sure why it took 3 months to fully dispute and reverse the fraudulent charges off of the card, but due to this long tailed process, it makes it look like we were late on a credit card payment that we were never liable for paying in the first place. I have attached the appropriate documentation for your reference here : 1 ) XX/XX/XXXX Citi Statement Security Closure of Credit Card due to fraudulent charges 2 ) XX/XX/XXXX Citi Statement Late Fees and Interest Charges Credited due to fraudulent charges ( 3 months late, thus resulting in what looks like late payments ) 3 )  XXXX Credit Report XX/XX/XXXX 4 ) XXXX  Credit Report XX/XX/XXXX XXXX ) XXXX Credit Report XX/XX/XXXX As you will see in my credit reports, and from your own files, I am never late in making payments for any of my accounts. We are very responsible with paying our bills on time and try our best to be a good consumer when it comes to finances. We are currently in the process of trying to buy a home, so this is the worst possible time for this to be happening and for it to be affecting our credit score with all 3 credit bureaus. I would like to have your assistance in resolving this matter to appropriately reflect in your records and systems that we were not 30 days past due in paying on this account and to ensure that the adverse account in question is fixed on all 3 my credit reports, XXXX, XXXX & XXXX. 

I have sent information to CitiCard now in XXXX, XXXX, XXXX, and XXXX of XXXX to ask them to investigate and resolve this issue. My last request in XXXX was a good faith letter, asking them to remove the 30 day late charge for the fraudulent charge and that also was not accepted. 

I greatly appreciate your help.
Consumer complaint received 2018-04-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (VT)

I get repeat calls and voice mails from credit acceptance, I defaulted on a loan and they have had two repossession companies call about the vehicle and were told by me to come and get the vehicle on both occasions, no one ever showed up, now credit acceptance will not stop calling me very several different 8 different phone numbers, I know its them because most of the time they leave a recorded message stating who they are, I get 10- 15 calls and voicemails a day 7 days a week from them, Its a little rediculous, especially after not picking up the vehicle on two different occasions
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am attaching the letter that I sent to Equifax, XXXX XXXX XXXXXXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.