davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (CA)

In XXXX I closed my account with XXXX  XXXX  I had a XXXX balance XXXX  XXXX  left my account open resulting in another month still due I was working with XXXX XXXX  and the FCC was an active open complaint over this matter for some reason or another this credit collection agency ended up with this account I was still not done with my process involving the FCC and that I was waiting for their official response to come in the mail that they never sent to me which was on the XXXX of XXXX this collection had apparently began three days after that XXXX had explained to me that they needed at least 30 days in order to close the account to which I requested the account be closed in XXXX of XXXX as outlined in my FCC complaint I still received a bill for XXXX and XXXX for services I did not even have therefore I owe them no balance whatsoever
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (FL)

I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.
Consumer complaint received 2019-08-12
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. (NJ)

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX  XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11  ) XXXX XXXX {$0.00} XX/XX/XXXX 12 XXXX XXXX XXXX {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX   {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference XXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2019-08-12
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. (GA)

I submitted a FTC Affidavit along with a police report to Experian showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for XXXX
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

this company against J.P chase bank. about returned items stem from a order that the court place on my wife account back in XX/XX/2019 account end in XXXX. some time on or aboutXX/XX/2019 chase make a statement the federal/ state law required us to place a hold on your chase account which may include the deposit box ( es ) at no fault of my wife. and I did not have no account with chase bank.never have no check with them, dose that time the hold was place on her account for a number of month cause a number her items to be returned back to her creditor. on XX/XX/2019 the hold for XXXX was Dismissal of Garnishment. and remove. I do not have personal check with chase bank my wife have an account, with chase bank, it was a big mistake on the court to place that order hold on her account. now XXXX XXXX   have place information on my credit history and that is wrong in so many way, because of this court order. and chase was knew are should have known that I did not have account with them. chase need to notify this company XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX and correct this mistake asp and remove. chase have these information they should not have report this information in the first place, it was wrong. my wife own the account and there is no judgment against her. but chase place it on her account they need to make it right because they cause all of the returned items to be returned. the court dismissed the order. but to lest. if not i.am going to suite for chase damage my name and my wife.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/2019 I received a document, ( issuing date XX/XX/2019 ) from Citizens One XXXX   XXXX a subsidiary of Citizens Bank, XXXX entitled " Closing Disclosure '' that was labeled " This form is a statement of final loan terms and closing costs. '' which I interpreted to be the end of all formal requests ( or changes connected ) with the loan my wife and I had applied for. I called the local sales manager, XXXX XXXX, and asked for clarification regarding the amount of the Cashier 's Check that should be obtained and bring to closing. He advised that the check should be in the amount stated in the Closing Document I received, the amount of {$47000.00}. I had such a check cut ( see attachment ) on Monday at approx. XXXX XXXX on XX/XX/2019. My wife XXXX called me later in the morning of XX/XX/2019 and advised me that she was informed by Ms. XXXX, Mr. XXXX 's assistant, that the amount on the Closing Disclosure I had in my possession was in error. Repeat : the amount that I had confirmed with the manager, Mr. XXXX, was in error and did not jibe with what his assistant, Ms. XXXX, claimed it should be. XXXX XXXX contended that the now correct amount was {$48000.00}. At approx. XXXX XXXX XXXX on XX/XX/2019 I received a piece of mail from Citizens One ( Rhode Island office ) with exactly the same document I had received from them on XX/XX/2019 and it is so enclosed. That document that I opened on this date contained the same information without a wit of difference. Period. When does a statement of " final loan terms and closing costs mean '' what it declares? What rules is this bank trying to play by? The Closing Disclosure received on XX/XX/2019 was precisely ( repeat precisely ) the same Closing Disclosure I received on XX/XX/2019 ; it had precisely the same information, and apparently the same mistakes.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NV)

Online banking account being restricted, can not sign in. Have no access to my money, called them they say account is under review, need documents to proof the money is mine. ask them when they can fix this problem, they don't know, they say there is no time frame. I have XXXX dollar in these XXXX account total. Need it for next XXXX  expenses. They say still need to review.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hi chase bank has been keeping me waiting for deposit approvals of money, not allowing me to overdraft and even excessively long wait times for mail and account updates including adress changes phone numbers and processing of my money! 

They intentionally are extremely unfair to me and very mean. 
They wont stop fusterating me constantly. 

Ive told everything you can think of and no one can do anything about it. 

There lying about me and trying to make up stories so they can freeze my money and bankrupt me They have stranded me while I was traveling 2 or 3 times intentionally to make me react By keeping me with no money for days no food or water and no gas! Starving hungry in the desert! With no water because of chase!
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, XXXX I spoke with a representative from Chase Auto Finance and she offered me a deferment for the month of XXXX because my business fell upon hard times. We made an agreement to push my monthly payments from the XXXX of XXXX to the end of the loan. I 've requested Chase auto finance to review the phone call from the date of XXXX XXXX, and they submitted a request, and I requested the company to give me a call three times following the review, and I have n't heard anything back from them since. I 've already disputed the payment history with all 3 credit bureaus and have yet to get this issue resolved. On XXXX XXXX I went into the branch in XXXX Florida, at XXXX XXXX XXXX, XXXX XXXX, and made a payment of {$1000.00} dollars, and my monthly payment is only {$950.00} dollars. According to my contract my payment is not deemed late until after 30 calendar days. My payment due date was on XXXX XXXX, XXXX, and I made cash payment on XXXX XXXX, XXXX which was on the 30th calendar day. Which means credit report should n't have been reported late. If the company has moved my payment date to the end of the loan, my credit report should not have been reported late for the Month of XXXX and XXXX. This matter dropped my credit score significantly by more than 100 points and i would like this matter resolved, as it is my right as a citizen. I also made a payment of {$600.00} dollars on XXXX XXXX XXXX, and the law states that if a company receives a payment for the month of XXXX, XXXX within 30 days, the company Chase Auto Finance, can not report the payment late. I am asking that please change my credit report to be reflected immediately. 
My social security number is XXXX. My address is XXXX XXXX XXXX XXXX, XXXX fl, XXXX. My name is XXXX XXXX
Consumer complaint received 2020-04-13
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. (CO)

There is still a XXXX XXXX XXXX XXXX credit card on my report. I have submitted numerous complaints against XXXX. I told them repeatedly that fraudulent charges were made to the account and XXXX did nothing. It has remained on my report this entire time. I will never do business with XXXX again. THIS DEBT IS OVER SEVEN YEARS OLD, IT MUST, BY LAW, BE REMOVED FROM MY CREDIT REPORT. PLEASE REMOVE IT IMMEDIATELY. Thank you.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

ON XX/XX/XXXX I TRIED TO GET A FREE CREDIT REPORT FROM EXPERIAN CREDIT REPORT ONLINE. AFTER NOT GETTING WHAT I WAS EXPECTING I TRIED TO LOG IN TO THEIR COMPANY. NO LUCK. ON XX/XX/XXXX MY CREDIT CARD WITH XXXX VISA WAS CHARGED WITH A {$1.00} CHARGE SHOWING EXPERIAN CREDIT REPORT AND HAS A NUMBER OF XXXX XXXX. THEN ON XX/XX/XXXX I SEE ANOTHER CHARGE ON MY VISA CARD {$21.00} FOR WHICH DIDN'T AUTHORIZE NUMBER XXXX XXXX. 
AFTER SEEING THIS I REPORTED TO XXXX  XXXX XXXX USING THE PHONE NUMBER ON THE BACK OF THE CARD XXXX, I DID THIS ONE ON XX/XX/XXXX WITH A REP. IN UTAH. THEY SAID THEY WOULD FILE THE DISPUTE. THEN I WOULD GET LETER. THNE I GOT THE LETTER SAYING THE {$1.00} HAD BEED CREDITED TO MY ACCOUNT, IN WHICH IT DID. 
THEN AS FAR AS THE {$21.00} IT WAS DISPUTED BY THEM AND I WOULD RECIEVE A LETTER BACK. 
NOW ON XX/XX/XXXX ANOTHER {$21.00} HAS SHOWED UP ON MY VISA ACCOUNT WHICH I HAVE NOT AUTHORIZED AGAIN. AND ON XX/XX/XXXX I HAVE DISPUTED THIS TO XXXX XXXX XXXX AGAIN, A DISPUTE WAS FILED, I WANTED TO FREEZE MY VISA SO I AND EXPERIAN OR ANYONE ELSE COULDN'T CHARGE ME WITH ANYOTHER CHARGES. 
ON ALL OCCAISIONS I HAVE TRIED TO CALL EXPERIAN TO TALK TO A REPRESENTAIVE TO STOP ALL THE CHARGES AGAINST ME. BUT NO LUCK. ESTIMATED 10 OR MORE DIFFERENT NUMBER WERE TRIED. YOU COULDN'T GET AROUND TO SPEAK TO NO ONE. 
ALL I WANT IS TO GET THE MONIES REFUNDED TO THE CARD. AND THEN FOR EXPERIAN TO JUST LEAVE ME ALONE. 
THIS THE XXXX DAY OF XXXX, 2018. 


I WOULD APPRECIATE ANY HELP. THE XXXX  HAS NUMEROUS COMPLAINTS AGAINST EXPERIAN. 

I'LL HOPEFULLY KNOW BETTER NEXT TIME I WANT A CREDIT REPORT.
Consumer complaint received 2022-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have years of unpaid Navient student loans. Multiple forebearances, they would never reduce my payments. My daughter and I both signed for loans. She was included in the settlement but I was not. The school owner was sent to federal prison for money fraud. I would like to know why I was not included in the settlement. The Navient settlement website referred me to my state attorney 's office and XXXX referred me back to Navient. Any assistance would be helpful thank you.
Consumer complaint received 2018-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have 1 Mastercard with Bank America. They bought the card from XXXX XXXX XXXX years ago. 

We pay the entire bill every month, I have an XXXX FICO SCORE. They have been charging for XXXX XXXX  which we did not approve. 

The main problem is I paid TOO EARLY!!!!!!! HAVE YOU EVER HEARD OF SUCH A THING??????? 

I pay the bill at least 5 days prior to the due date to make sure they have time to apply it to my account. we have never ever carried a balance on this card. 

Since last Saturday, XX/XX/XXXX wherein they said my bill was over due. NOT TRUE IT WAS PAID MORE THAN ON TIME.

When my husband called the customer service person said he saw the payment the next payment is due XX/XX/XXXX which bill we have not received yet. 

I tried to get through to the CEO/PRESIDENT whose name is XXXX XXXX XXXX who has been CEO since XX/XX/XXXX and is a lawyer as well. 

As a CONSUMER ADVOCATE i was the problem solver for XXXX in XXXX and got through to all executives - well times have changed. 

When we asked why their web site shows we owe money and the automated voice nonsense says the same -- -- NOT TRUE. My husband got through to a human and the man said we owe nothing and he does not know why his web site says otherwise. 

We are unable to get any kind of satisfaction regarding BANK OF AMERICARD MASTER CARD. 

At this point they are playing games with my Credit Score and this disturbs us. 

There is no resolution to this simple issue. 

XXXX XXXX. XXXX and XXXX XXXX. XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

Equifax has an automated system that is trying to verify Me with information that does not pertain to me. There is and never had been a mortgage on my credit report but it is requiring that I verify who a mortgage was taken out with in XXXX and how much is the monthly amount. I have no idea because I have never had a mortgage and a mortgage has never shown on my credit report or I would have disputed it. I also did not attend any colleges in XXXX but it wants me to verify a student loan that I never had and I was not enrolled in college in XXXX. Equifax has rigged the questions so that I can't answer them to remove the freeze temporarily ; none of the questions apply to me.
Consumer complaint received 2023-01-18
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00}.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (CA)

I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Equifax back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

This complaint is in response to an existing unresolved complaint XXXX This complaint letter is in response to Wells Fargo 's letter dated on XX/XX/XXXX for the claim above alleging additional information were requested in your letter dated on XX/XX/XXXX however no such request were provided in such letter. In addition, I called your department and spoke to XXXX, in which he refused to give me his last name, and refused to transfer the call to you and told me that a manager will call me but no one did and XXXX didnt mentioned to me that additional information was required from our part. My phone number was included in my letter and never received a call from you either. 
In addition, as you mentioned in your letter 90 days were given to merchant to respond to our claim therefore the burden is on them and is not our responsibility if they fail to respond thus we demand this charges in the amount of {$400.00} to be reverse into our account. 
Also, you mentioned in your letter that you were informed that we had done business with this vendor ; please provide proof for such claim. 
We have been a valued business customer since 1996 and we never have been in this situation being forced to spend time, resources and stress in order to handled 4 un-authorized withdrawals under your surveillance in one month. 
The bottom line is that we didnt receive any services from this merchant and merchant didt provide us with any services ; WellsFargo has failed to provided proof for such claim. 
Our last issue is that WellsFargo has failed to address the fact that the un-authorized withdrawal was done in a date prior to the date allow for withdrawal indicated in the merchant agreement therefore we ask for this charge be reversed into our account.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC (MS)

On XX/XX/XXXX of XXXX  I entered into a retail installment contract with Preferred Credit Inc. My account number is XXXX and my monthly payment was set for auto draft via my checking account for {$170.00} starting XX/XX/XXXX. After reviewing my promissory note, I see Preferred Credit has taken advantage of me along with committing securities fraud as well as violating the Truth In Lending Act. In the attached contract, it states under " DESCRIPTION OF GOODS AND SERVICES, '' This Contract covers your installment purchase of the following Goods and Services : XXXX  XXXX Preferred Credit still chose to collect tender of payment from me monthly with a promissory note that was paid in full at the time my signature was placed on the document. Also, in the section titled " PREPAYMENT '' under " IMPORTANT, '' it states, " Even though you needn't pay more than the fixed installment, you have the right to prepay the whole outstanding amount of this Contract at any time. If you do, we will refund the unearned FINANCE CHARGE as of the next installment due date if not prepaid in full on an installment due date unless this Contract was executed in MISSISSIPPI ( my residential state ). The FINANCE CHARGE on the note is {$810.00}. 

I never received this finance charge, I was taken advantage of and harassed by their servicers with illegal debt collection. My consumer report is now damaged as they have charged off a PAID ACCOUNT and reported late transactions.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.