davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (TX)

I used XXXX to send someone money, using my Citi Card Cash Rewards Card ( {$370.00}, on XX/XX/2020 ). 

After the fact, Citi Card charged exorbitant fees, including interest, despite being enrolled for automatic payment and always paying complete balance on time. 

I am sure Citi Card included the information about exorbitant fees, including interest, and that using XXXX is considered a cash advance, in the FINE PRINT of the INNUMERABLE PAGES OF THINGS THAT I MUST AGREE TO TO HAVE A CREDIT CARD AND THUS FUNCTION IN MODERN SOCIETY, but I do not have a law degree, nor an MBA, nor hours to research every transaction I perform in modern society. 

THESE FEES ARE EXCESSIVE, HIDDEN, AND TAKING ADVANTAGE OF CONSUMERS. THESE FEES MUST BE MADE EXPLICIT OR RULED INVALID. I am certain the banks love them, AND THUS THE CURRENT LEADERSHIP OF THE CFPB, BEING IN THE HANDS OF INDUSTRY, I'M SURE LOVES THEM AS WELL.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

To whom it XXXX concern, On XX/XX/XXXX, XXXX, and XXXX my Chase checking account was hacked via the apps, XXXX XXXX and XXXX. There were XXXX transactions in total that were obviously invalid and not made by me, or any member of my family as I am the only person in possession of my phone at all times. I alerted Chase Bank the following day, as soon as I noticed the fraudulent transactions on my account. XXXX of the obviously false transaction was denied by Chase 's XXXX XXXX. All of the others were allowed to be processed. 

Chase did launch an investigation into the fraudulent charges and initially agreed to reimburse me for the XXXX transactions via XXXX XXXX which are as follows : XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX : {$700.00} On Thursday, XX/XX/XXXX, I received an email from Chase stating that they decided that these false transactions were made by me, and will be reversing my reimbursement on or after XX/XX/XXXX from my Chase Checking account. Not only are these transactions false, but Chase refuses to provide any detailed evidence or information, so that I XXXX pursue the matter further. 

The XXXX XXXX transactions were made around the same time as the XXXX XXXX transactions and are as follows : XXXX. XX/XX/XXXX - {$220.00} ( this transaction was denied by XXXX ) XXXX. XX/XX/XXXX - {$230.00} ( this transaction was approved by XXXX ) It would seem obvious that anyone looking at these transactions during this time frame could easily see something is off. Especially considering my past history using these app and the recipients of any transactions. 

I have spent hours on the phone with Chase Customer Service, and they can not provide any answers that make any sense as to why I will have to pay for their business getting hacked. 

I am a senior citizen on fixed income and this is wreaking havoc on my financial situation. I do not have the funds to cover this reversal of reimbursement, and as such, will only incur more charges when my account is overdrawn. 

It is concerning that a financial institution can continue to operate in this manner by taking advantage of seniors, and not doing the right thing. This situation leads to more concerns over the security of their internal systems, and I would implore you to take a closer look at these types of scams that innocent, everyday people have no control over when their financial institution will do nothing. 

Kind regards, Real, Hardworking Person
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX INQUIRIES XXXX XXXX Inquiry Date XXXX and XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : )  XXXX
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (AL)

I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.
Consumer complaint received 2020-09-06
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. (MN)

My XXXX XXXX XXXX XXXX Visa credit card # XXXX listed on my Experian credit report is lost/stolen. The balance of {$140.00} is all fraudulent charges and transactions due to my credit card being lost/stolen. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020
Consumer complaint received 2023-06-18
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. (AL)

I certainly requested my free annual credit reports from the XXXX major credit bureaus, XXXX, XXXX and TransUnion. Upon going over every detail of the XXXX reports from the XXXX bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since 2018. Why are they tracking my movements for such a long time on my credit file?
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. These inquiries are unauthorized. I lost my wallet. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : Name : XXXX XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 5. The following personal information is incorrect Account Number : Date of Birth : XXXX 6. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX
Consumer complaint received 2019-11-01
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. (AL)

I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NV)

Company involved has continued to change amounts owed / made this process extremely confusing as to how to get this COMPLETELY removed OR caught back up / late payments removed. 

Please help with this process, I've yet to get help through the company. If they could fix this on their app so that I could catch this account up I would be grateful.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/2019, I applied to PENFED Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, for a credit card. 

PENFED Credit Union, since my application dated XX/XX/2019, I have not received either the credit card or the reason for denial as required by The Fair Credit Reporting Act. 

The Act requires creditors to notify you in writing if an application for credit is denied. This notification must be mailed within 30 days of the decision. 

A notification must include the reasons the creditor decided to reject your application -- including insufficient credit history or a high balance on revolving credit accounts. 

They are in violation of the The Fair Credit Reporting Act and subject to a civil lawsuit for their violation as I have not received a notification as required under The Fair Credit Reporting Act.
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (FL)

I reviewed my credit report again recently and noticed I have some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea how someone would have access to my credit report. Now because of this incident, I can not acquire new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2018-09-18
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. (TX)

Trying to get my free annual report. 1st time I tried they ask for a payment that included a monthly fee. The 2nd time I got disconnected, and # 3 my information didn't match after I put the same information the first two times.
Consumer complaint received 2023-06-06
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from XXXX & XXXX saying I did not authorize this dispute.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX Rooms to Go credit card ; funded by Synchrony Bank When I made my recent purchases with Rooms to Go, I opted for the payment without having to place a down payment and now my monthly payment has doubled. I was NOT advised this option would cause my payment to increase until now when I called the Sales team and their response was nothing can be done. This is unacceptable because the terms about my payment doubling was not listed on the website when I made the purchase ; if so, I would have made the down payment. This is deceptive and in violation of the UDAAP regulation. 

I have an excellent payment history with synchrony and I would like for my account to be reviewed and my monthly payment to be lowered back to {$130.00}, please. Also, since XXXX my payment continues to go up. XXXX I paid {$230.00}, XXXX and XXXX I paid {$240.00}. This is causing financial difficulty having a payment so high. 

I appreciate your time and assistance with this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (NV)

Account was opened XX/XX/2012 account to all 3 Credit Bureaus in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back as requested to avoid all of this bs. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. Kay has also failed to remove this per the attached notification. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

Tried previously to get this taken care of // Need to get this removed after all this time. XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IN)

I need to report violations of the FDCPA by XXXX and Cavalry Portfolio Services in regards to an alleged debt in my name. Cavalry is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork Cavalry sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/2007. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist Cavalry filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments Cavalry has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
Consumer complaint received 2018-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (OK)

I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!
Consumer complaint received 2018-09-18
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)

XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding, LLC was sued and lost the lawsuit for applying charges, fees and other as a mean to state a consumer owes them money. Their account firm is disconnected from management, management is disconnected from collections and collections is disconnected from legal and court filings - this is done to increase convolution associated to any claim. MIdland Funding, LLC has picked up their practice what appears to be a scheme to use the court system a means to cheat Americans. Please investigate.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank is absolutely terrible and releasing consumers mortgages once they are paid in full. They are not following the 90 day Federal Regulation to release mortgages within 90 days of payoff and it is very frustrating for consumers to have this cloud remaining on their title years after the mortgage has been paid in full.
Consumer complaint received 2018-09-18
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: BANK OF THE WEST (CA)

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies