davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MS)

I notified Chase XXXX that we would be traveling and gave them the dates. They cut my card off half way through my vacation due to a randomized account review ; it was unrelated to my traveling expenses. I thought it was very neglectful of the company toward their consumer to not take into consideration that I had contacted them about being on vacation. Each person I have talked to gives me the same answer : it will take 10 days to review it. Meanwhile, weve exhausted our primary fund that we were using and now our backup is on hold. Chase has left their consumer out to dry. XXXX never own another Chase account again.
Consumer complaint received 2021-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

In my opinion the great scam continues. While we have a negative on our report we HENCE THE DISPUTE IS SLANTED IN FAVOR OR THE LENDER [ ALWAYS ] DO YOU REALL THINK THIS COMPANY GIVES A XXXX ABOUT EOPLE- MERELY OPINION.. THE FACT IS WE WERE MAKING PAYMENT ARRANGEMENTS WITH THE BANK.. I WENT INTO THE HOSPITAL FOR A MONTH WITH XXXX  XXXX XXXX AND XXXX XXXX AND WHEN i CAME OUT THE VEHICLE HAD ALREADY BEEN TAKEN.ANOTHER FINE EXAMPLE OF WE ARE HERE TO HELP DURING THESE DIFFICULT TIMES.yea right! So I can not access or use any of the so called avenues they claim to provide.to add to or modig=fy the dispute. Another FACT they conveniently ignore in Washington, the CFPB and Credit reporting agencies = need a laugh here is some more fact 1 Dial XXXX to call the Experian corporate office. Experian doesnt technically have a customer support department, and the number listed on their website for customer service is simply an automated system for victim assistance. If you want to speak with a person, you can get personal assistance by dialing the Experian corporate office and getting redirected after their automated system cant find your information. [ 1 ] The automated system will fail to find your information even when you enter it correctly, so dont hang up or get frustrated if the menu prompts fail to identify you. 
This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number. 
The corporate office is available Monday through Friday from XXXX XXXX to XXXX XXXX PST.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALTERNATIVE DISPUTE RESOLUTIONS (PA)

My parents have been receiving harassing phone calls from a person who identifies themselves as a XXXX XXXX in XXXX County who claims if I do not contact him he will arrive at my house to serve me papers so I go to court over a debt issue. When I contact the number he left, it is for a company that is going by the name of Alternative Dispute Resolution. I called and spoke with a lady named XXXX who stated she needed my case file and she would have to contact a lawyer. She placed me on hold and then came back on and stated, " I spoke with our attorney and I have the hard copy in from of me. Is your birth date ...? '' I stated that I could not confirm that as I do not give out my personal information over the phone to someone I do not know. She stated that I didn't need to be childish about it. I stated that I was not being childish and that I didn't understand why she needed my birthdate. She stated, " Good luck in court '' and hung up
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My mortgage just changed from Interest only to Principal and Interest.I called the company and told them that XXXX will be hard for me to pay.The payment is not due till the XX/XX/XXXX of the month.

Ever since I called them and asked them for a loan modification they call me every other day asking when I will pay.I told them I will pay by the XX/XX/XXXX.This never happened before.I will pay by the XX/XX/XXXX why do they have to call me so often and harass me.This is bullying by the mortgage company I spoke to XXXX agent XXXX totay XX/XX/XXXX, she harassed me today
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

It's been 2 months and this is still being reported as an open unpaid account. This is ridiculous! Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX. If not my next step is to get a lawyer involved that understands this area of the law to resolve this issue on my behalf. At this point it's not about the money. I already paid you in full, you've been paid. Now it's about your business practices. Please completely remove this off of my credit report from all three of the major credit reporting bureaus : XXXX, XXXX and XXXX
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
Consumer complaint received 2021-11-13
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: DISCOVER BANK (TN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the DISCOVERBANK account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-06-21
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. (CA)

XXXX and Experian consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
Consumer complaint received 2017-10-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JTM Capital Management, LLC (PA)

The Company is called JTM Capital Management. On XX/XX/XXXX, my grand mother was called and informed of my personal information, and debt amount. I quickly called the Debt Collector that left her number, and explained that was she was calling an XXXX XXXX XXXX women and disclosing my personal information. I was told that this would not happen again, and I repeated my phone number as a source of contact until I could get this resolved. Three days later, my mother 's place of employment was called, again telling her coworkers that I owed a debt, the amount, my address, my date of birth, and other personal information. I called again, and was told by a women that they are not doing anything wrong, and that I am about to be sued by the original credit holder. I called the original credit holder, and was told that they are absolutely not suing me, and that this account was sold to debt collection agency that has no authority lying about suing!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for
Consumer complaint received 2018-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Purchased product online merchandise in XX/XX/2017 The product cost {$110.00} with recurring monthly fee of {$50.00} After receiving product it was discovered that it was illegal ( FCC regulations forbid use of such product ) Contacted BOA credit card whom refused to refund
Consumer complaint received 2017-10-01
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: U.S. BANCORP (GA)

I did n't make these charges. They are 100 % unauthorized. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (GA)

My son XXXX XXXX lives with his father and grandmother for the last 8 years. His father had custody of him at that time. He is XXXX now and lives with me .Upon the time he lived with his father he was XXXX and taken to the hospital. There are hospital bill being charged to me instead of his father XXXX XXXX who live in XXXX XXXX. 
The medical bill is from XXXX XXXX. 
I live in Georgia for over 10 years. 
I explained this to Phoenix financial XXXX  over and over again., it's even documented. 
They continue to call several times a day and sent several letters. 
I have tried to communicate with his father and grandmother and was advised it is me problem. 
I need help.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

XX/XX/20 Upon arriving at Cash America Pawn Shop XXXX XXXX XXXX Ohio, they were unexpectedly closed. On XX/XX/20 I called and inquired about the loans that were due to be forfeited the previous day. I let them know that I had been there to pay them but because they were closed obviously I could not. At that time they informed me that because it was not their decision that they were not going to make any exceptions so either pay XXXX $ or they would keep my items.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX XXXX. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Consumer complaint received 2022-03-31
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: CITIBANK, N.A. (GA)

I have contacted Citibank repeatedly over the past 2 months. 

XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} Post transactions show a XX/XX/2022 date. The first entry show a posting date of the XXXX or XXXX. I am in agreement with this charge. 

The second transaction posted a few days later, on XX/XX/XXXX. This is the duplicate charge that I have been disputing. 

Citibank has not been forthright and has been deceptive. 

Despite the obvious error, Citibank is absolutely refusing to take action. 

Judging by recent complaints, this seems to be consistent behavior for them.
Consumer complaint received 2017-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email from Capital One on XXXX XXXX  XXXX demanding a transfer of funds in to a Capital One 360 Checking overdraft line of credit. It also stated that they were going to report it to the credit reporting agencies as a default. 

I have never had a checking account with Capital One. I have a credit card which I am going to cancel, but this is a blatant attempt to shake me down for cash coupled with a threat to ruin my credit. My credit is excellent ( XXXX ) and I have never made a late payment for anything, nor have I ever defaulted on any account.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred. 
2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took placeXX/XX/XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Consumer complaint received 2018-06-07
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. (VA)

My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX  for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, XXXX and transunion. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

After many attempts and going back and forth with the condescending and negative attitudes with various EQUIFAX agents and dispute department reps on the phone, especially when requesting to speak with a supervisor, manager or United States agent. On several occasions I made calls to their recorded line and uploads were made to update and/or for this account to be adjusted and removed to it's inaccuracies that are causing irreparable injuries to myself and business partners. EQUIFAX simply does not care about real issues that effect and harm real people. Uploaded is a FICO report that clearly shows said inaccuracies being reported and EQUIFAX 's reluctancy to rectify their error ( s ) and harmful practices. There were also documents sent to their CEO to settle and address these issues as well as requests/demands made for proofs authority and equitable interest in said Estate. I am still currently awaiting a response for those request/demands and expect a default to ultimately happen in the near future. To this day I am currently being continuously denied for any " loans '' or " Loan programs and I as well as my partners are currently in the midst of losing a lot of capital caused by their actions and reporting inaccurate information to cause these injuries. It's illegal and unlawful.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

I was a past XXXX Customer and did not like the service. The salesman who knocked on my door said if he got my business, the company will give me a {$200.00} gift card. 

I have financed the outdated material they gave me for {$600.00}, now they sent me a collection notice of {$930.00}
Consumer complaint received 2021-09-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

I received a payday loan from XXXX XXXX in XXXX, the account has been turned over to a debt collector, National Credit Adjusters. The balance owed was {$400.00} and I negotiated a 50 % settlement in the amount of {$200.00} which was paid on XX/XX/XXXX and my account was paid in full. Since then, NCA has reported to the Credit Bureaus that I still have a balance of {$200.00} and that it is late as of XXXX XXXX. I contacted NCA and spoke to a representative to resolve the issue and was told that they reported it as a balance. I explained to them that I have documentation showing that my balance is paid in full and that when they made the report to the Credit Bureaus they should've reported it as paid in full. This is unacceptable and its affecting my credit score. I am requesting assistance in rectifying this situation. Thank you!
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (FL)

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought my medical debt. At first they continually called and harassed to make payment for something I knew nothing about. After I checked my credit a few weeks later I could see my score dropped due to the XXXX XXXX. Next time they called we agreed to set up a payment plan if they would delete this account off of my credit once paid. I have fully paid earlier this year and the collection was not deleted. When I called and asked them to Delete, they claimed it was nothing they could do. 
After researching I could n't find any information about this company doing business in the XXXX XXXX XXXX. I would like this account to be DELETED if possible as promised by XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (TX)

Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.