davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (MD)

I received an email on XX/XX/2019 from XXXX ( JPMorgan Chase Bank ) about changes to my Chase account, which included a forced arbitration clause and an exorbitant 15.99 % APR plus the Prime Rate = 21.49 % APR. In the section detailing out the requirements to reject this arbitration clause, the email, in part, states : " You must do so in writing by stating that you reject this agreement to arbitrate and include your name, account number, address and personal signature. Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' The requirements of JPMorgan Chase Bank to give notification of Arbitration Rejection places undue burden upon its customers.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (KS)

I have called Midland Funding LLC and they stated that the last payment was made on XX/XX/2016. I was currently past due and was making partial payments for 11 months prior to that date. According to the FCRA the original past due date is the date that is required to be reported, not the last payment date.
Consumer complaint received 2017-08-01
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. (MD)

XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.
Consumer complaint received 2017-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (NJ)

ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  XXXX  XXXX  XXXX
Consumer complaint received 2017-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp (GA)

I am called multiple times a day by different people in the office about my debt with them. I know I have this bebt but I am unemployed a d have been since   XXXX   XXXX  ,2017 and I have told them that several time. Their response is I 'm sorry that your not working but this debt has to be paid and until your account is current well will continue to call every 3 days or we will charge this account off as non-payment.
Consumer complaint received 2022-09-14
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: CCF Intermediate Holdings LLC (CA)

I have a fraudulent credit report for XXXX XXXXXXXX which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, speedy cash has a lawsuit for fraudulent activity that has now made its way to my collections!
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

ERC is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I immediately called and paid this debt off. I never received any phone calls or any collection letters or notices about this debt. This violates my 30 day right to dispute and needs to be removed from my credit file.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX my bank account was hacked. The hacker wrote themselves and electronic check in the amount of {$3100.00}. 

As soon as I noticed I called my bank PNC, which then instructed me to file a dispute and sign an affidavit which was to be notarized by a branch representative. I did just that XX/XX/XXXX. 

On XX/XX/XXXX when I called the bank to check in on the dispute process, I was notified that the instruction given to me by previous bank reps was wrong and I needed to file another dispute ; which I did. 

Now, PNC is denying the claim and they told me that there is nothing that can be done. 

As a consumer I was robbed of my funds and the bank is failing to protect me.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (DE)

I am a natural person.XXXX XXXX also known as XXXX XXXXXXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX of this year, I temporarily ( from XX/XX/2019 until XX/XX/2019 ) lifted my credit freeze in preparation of securing a credit card with XXXX 's to purchase appliances for a home I have under construction. The XX/XX/XXXXdate was chosen so as to allow for consideration of other situations ( such as a Mortgage application ) that would be required in conjunction with the construction of my primary home. 

On XX/XX/XXXX, I secured the card and purchased my appliances. On XX/XX/XXXX of this year, I noticed a fraudulent charge on my credit card, which I began addressing with my the Bank. 

On XX/XX/XXXX, I became aware of the data breach of XXXX XXXX, a regular provider of health care services for myself. I immediately attempted to re-freeze my credit and was able to do so VERY easily with XXXX XXXX, but after several days, numerous attempts to either re-freeze my credit or to SPEAK to someone ( " I'm sorry we are having technical difficulties and unable to process your request, please call back later '' ) regarding the situation, all I have to show are a pile of online response requesting that I put my identity at even GREATER risk, by sending my social security number, a copy of my driver 's license, info regarding my date of birth, and a copy of a current utility bill by US mail to an XXXX, Texas address. In essence the perfect identity theft fabrication kit being sent by the LEAST secure method possible. 

As do ALL Americans, I want the ability to deny any and all credit bureaus, especially those that fail miserably in providing customer support, the ability to retain and profit from MY personal info. I also want them held COMPLETELY responsible for any and all data breaches of personal info. Finally, I want the corporate officers, who by virtue of stock transactions seek, to avoid harm or to EVEN profit some such misdeeds rewarded with stiff criminal penalties and significant fines. 
.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A. (FL)

WARNING to Other Consumers PNC Credit Cards- All payments are allocated to the LOWER INTEREST RATE PURCHASES FIRST, so the bank can make more money on the higher interest rate balances. This is UNETHICAL. PNC bank purposely holds on to the higher interest rate balances until the lower interest rate balances are paid. 

We have a business PNC credit card. XX/XX/2019 we took a small cash advance of  {$100.00}, which we have never done before, but we were in a bind. 

On XX/XX/2019, I paid our credit card minimum and added and extra {$100.00} to pay off the cash advance. 

credit card purchases are charged 21 % cash advance purchases are charged 25 % I called PNC customer service on XX/XX/2019 after my payment posted and asked them to please apply {$100.00} of my payment to the cash advance. I was told by the customer rep XXXX XXXX that payments go to the LOWER interest rate balance first. We owe {$8000.00} in purchases, so PNC will be charging 25 % on our {$100.00} cash advance until we pay off the card. 

I asked to speak to XXXX 's escalation manager XXXX. XXXX told me they will not and can not allocate {$100.00} to be applied to the cash advance balance.

All payments we make pay down the LOWER INTEREST RATE Purchases first. 

This is so unethical! So PNC is going to make the higher interest rate purchases the last to be paid off. This is wrong! 

We have our business banking with PNC. Now we are going to move our business banking to another bank. I am infuriated about this.
Consumer complaint received 2019-06-05
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. (FL)

I lived at an apartment complex located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I was told my lease wouldn't be renewed. I moved by my experiation date. I had XXXX pets and made a pet security deposit upon rental. I never heard a word from the apartment complex. I pulled my credit report and it shows a bad debt reported by XXXX XXXX XXXX out of XXXX Florida for over {$3500.00}. I have disputed the account with the credit bureau but, the agency continues to report the account. I called XXXX and they described themselves as the " referee '' and told me to dispute the account on their site despite my telling them that the balance is a fabrication. I attempted to file the dispute on their site which doesn't easily present a dispute mechanism so II 'm not certain I succeeded. This credit reporting is a completely made up balance intended to extort money from me that I do not owe. Also, the apartment complex was sold while I was living there. The new owners must be reporting this information to XXXX. I have no contractual agreement with the new owners and again the new owners made no effort nor did XXXX to contact me they just reported the account to the credit bureau
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (IN)

I am unable to link my personal account to my XXXX app. This app connects with my bank to access my payroll deposits so I can receive advances from my check before I get payed each bi weekly week. Unfortunately because of Pnc I can not do so. I wish to get this handled as soon as possible. This app is a legitimate system that helps others in financial need. I wish to be able to access this application via threw my account just in case my account is overdrawn or if an emergency comes up.
Consumer complaint received 2020-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

My Husband had XXXX discharge due too his XXXX XXXX I filled out the paperwork and spoke to someone on XX/XX/XXXX and I was told everything was noted and now I have a paper saying the loan was reinstated and at the moment we are XXXX and in a XXXX
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (GA)

My insurance originally declined my medical claim. After filing a complaint with the Georgia Insurance Commissioner, my insurance decided to pay my medical claim. However, one debt was turned over to a collection account. The original creditor has agreed that my account is paid in full and that they have requested the collection account be reversed. However, the collection company is still showing I owe a balance even after I have contacted them numerous times and provided documentation. It has been over a month and they are still saying I owe a balance.
Consumer complaint received 2020-09-12
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. (FL)

Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today Experian raised the score to what it was prior to the debts being paid off and the student loan reductions.
Consumer complaint received 2020-08-27
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. (MS)

failure to report all of my creditors in the credit report thereby causing a low credit score causing a denial in credit applications. I contacted the Experian credit bureau and so did my law firm to no avail.
Consumer complaint received 2021-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from Capital One stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called Capital One in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from Capital One stating that I wished to change my billing preferences. I would like Capital One to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that Capital One should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (CT)

I am the mother of the patient, XXXX XXXX. He received services at the XXXX XXXX XXXXXXXX and never received the bill because the wrong address was used. The Collection Agency, Bull City Financial Solutions at XXXX XXXX XXXX, NC Tel XXXX was incredibly rude to me and tried to tell me that payments I made were not made to them and were paid instead to the XXXX XXXX XXXX XXXX XXXX, which they were not. I tried to get the bill from them to ascertain whether they were billing accurately, but they refused to give it to me. XXXX was the agent and she kept telling me to pay the bill and would not answer my requests for information. The name of the person I was speaking to was XXXX, and she just kept getting ruder throughout the call. So I asked for a supervisor. She tried to pass me off to a friend, but I insisted on a supervisor. She said they were not there and said they would call me back. They never did. I called and tried to talk to the supervisor again, and again the person who answered was incredibly rude. I finally got through to a supervisor ( XXXX ) who told me she never got a message to call and said the record showed I was sent to a supervisor voice mail, which never happened. I then tried to get her to give me the information, but she refused citing HIPPA. I am an attorney and had my son the patient on the phone giving permission to give my records. She kept interrupting me and was incredibly rude and would not give me the information. I had already made payments which were not reflected and they changed the story so many times through the two calls that I can not get them to give me any accurate information. She was so incredibly rude and finally disconnected the call when I insisted on getting the information to show that the amounts were owed and to show the payments made. They are attempting to collect amounts not owed and are refusing to recognize payments that were made. Please help me hold these people accountable for their horrible treatment. I have never refused to pay a bill but I am owed the courtesy of knowing what the charges are for.
Consumer complaint received 2020-08-27
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. (TX)

The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete
Consumer complaint received 2020-08-27
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: CITIBANK, N.A. (CA)

I have had a Best Buy Citi Visa credit card since the summer of 2017 and it is not on any credit reports. It has a XXXX $ limit, I paid off almost all of it except XXXX $ left. I have called them and they say they are reporting, but it isnt on any credit reports. All of my information matches the stuff they have on file though. I was hoping to get a big boost in credit score due to paying off such a large sum of credit.